Can I file bankruptcy without my spouse.  I live in Iowa.  How much do you have to pay back?
457599
Yes you can file banko without your spouse. All debts that you both are on togther fall to him. Anything with you only on does not affect him.\n\nAs for payback it depends on if you file a 13 or 7, and the assets you have.
1099258
Yes - I agree.  Get a lawyer and appeal.  My husband worked for 30 yrs. or so and finally had to quit because of bipolar and his meds.  He applied twice, was turned down both times.  We finally found a reasonable attorney and just last month, my husband received his first check for 1,100.00.  Just don't give up - keep trying, okay?
629269
Dear Friend,\n\nIt's time to consider filing for bankruptcy.  Your ex is broke, and there's no way the state can be held liable.  Sorry, that's the bottom line.\n\nYour Friend,\nFrancesois
445929
Did the Earth just shake?  Something awful happened, cause we finally got a wise answer from icsowesmemoney!\n\nFact.  You owe $20,000.  \nFact.  You make $800/month\nFact.  If you were somehow able to find $200 in that tight budget, and factoring in interest payments, it's going to take over 10 years to pay this debt!\n\nThe other responders completely ignore your comments on the difficulty in finding a better paying job.  Some day, they will lose their jobs or get laid off, and will discover this fact for themselves.\n\nYou are a prime candidate for filing chapter 7.  You will not meet the "means test" because you don't make enough money to be forced into a Chapter 13 "wage earners" plan.  With no home or car, you have nothing.  \n\nCheck with the local bankruptcy attorneys, and you may even find a program for low income people and get a very low legal cost.\n\nGood luck.  You are in very good company.  Many thousands of other people filed for bankruptcy last year for this very reason.
199853
No if you are still married on Dec. 31st you can file together. You also can file MFS(married filling sep) or HOH (head of household) if you have a dependent. If both are willing I would file together most people get back the most money that way. Some places can even tell you how much money is yours and theirs. Hope this helps you divorce is hard enough.
230522
Actually, not everyone may file a 7 bankruptcy.\n\nYou must be eligible.\n\nA person who has had a chapter 7 discharge within the past 8 years may not file a chapter 7 bankruptcy case.\n\nA person may not file a chapter 7 bankruptcy if doing so is "abuse".  A case is presumed abusive if the person makes more than the national median income, approximately 40,000 for an individual and approximately 70,000 for a family of 4.  If a person's chapter 7 bankruptcy is "presumed abusive", he or she may still be able to file a chapter 7 case if the parson passes a somewhat complex "means test".  The means test determines whether a person has enough "current monthly income" to pay at least $10,000 to unsecured creditors over 5 years or at least $6,000 to creditors over 5 years if that results in paying at least 25% of the unsecured debt.\n\nA debtor must take a credit counseling session before being eligible to file a chapter 7 case.\n\nBankruptcy will discharge all of your dischargeable debts (but not taxes, student loans, domestic support obligations and others).  However, interest rates for a debtor for several years after a bankruptcy will be higher on loans or credit cards
596936
That is a question for a local attorney, bankruptcy law is state specific.  The state you reside in determines the answer combined with your personal circumstances.
509464
You have to petition the bankruptcy court.  Check to see if an attorney represent customers like you that also had gift certificates.  This will be in the court documents.  This is worth your time if it was a lot of money, otherwise it is a waste and a lesson learned.
78838
There aren't that many choices.  You're obviously not "married filing jointly" or "married filing separately."  \n\nIf you were divorced on Dec 31, you each file as single since that's what you are.  One of you may qualify to file as "head of household."
432340
If you are filing Chapter 7 Bankruptcy that means you are unable to pay the debt, so the creditor will go after the co-signer. If you haven't already contacted your co-signer I would let them know what you are doing.\n\nGood Luck
191386
As previously stated, it will depend on what kind of debt you are talking about.\n\nStudent loans, child support, taxes, and other debts can not go away with a bankruptcy.\n\nMortgages and car loans, or any type of secured loan can be included, but you still have to pay those loans or have the property repo'd.  But the interest rates and payments may be a little more favoriable.  \n\nOther loans will be handled in a bankruptcy, including the judgements.\n\nBut.....(yeah, there are always "buts")\n\nThey do not get erased unless you file for a Chapter 7.  The new bankruptcy laws passed last year make it more difficult for people who currently have an income to file Chapter 7's.  You will be forced into a Chapter 13, which means you have to pay back a portion of the debt.  The amount depends on your current income, and the state you live in.\n\nPlease take the time to read the link below.  It has info on the new bankruptcy laws.\n\nIn my opinion, unless you owe a whole lot of money, it's not worth filing bankruptcy.  You need to find a way to negotiate with the creditor.
890213
When you find out be sure to tell me!\n\nBut seriously the only "free" way to get out of debt would be to file bankruptcy and even that's not free.  You have to obtain a lawyer and depending on what kind of bankruptcy you're eligible to file you may still have to pay a small payment each moth depending on the amount of debt you've incurred.
796474
The state rules generally apply to what your exemptions are...or what you are allowed to protect after you file for bankruptcy.  \n\nYou still have to follow the general US bankruptcy laws.  If your income is high you won't qualify for chapter 7, and will have to repay a portion of the debts.
82702
No a spouse can not be a dependant on the tx return.\nEither you have to file together or separately.
994574
are you married? I would suggest you slowly and carefully pull yourself from his debts. Seperate everything before he drags you down to bankruptcy. Talk to Debt management company to get you guys back on track.
39905
no.  You can't file head of household if you aren't married and only one person can file head of household anyway.
235232
Wow! That was kind of harsh. Did you ever think maybe this person got sick and had trouble paying for a month or so? YES you can e-file if you still owe. However, it depends on the state you live in if they will take your check or not. In Indiana, if you owe less than 500 dollars, they won't take your check. They sent us a letter stating they would, but they never did. And for the person who just made the rude comment, my hubby and I have five kids that live at home full time. He rarely sees child support for his two that he has custody of and I rarely see my for my two. We have one together and he has another one that he pays on. We manage to support all five kids and still payed over 16k in back child support in four years and he is the only one working. Don't judge someone until you know the whole story.