I remarried about 2 yrs. ago I had a lot of debt at that time. Can I file individual  bankruptcy?
613546
What would be important to know is if you live in a community property state. If you do, you can't do it on your own.
112550
There are many loan companies that have the idea that since you just came out of bankruptcy you are a safe bet because you have no debt and can not file bandruptcy again for a long time.  Call around your area, or there is a good chance the furniture company has several lenders willing to help.  Ask them.  Good Luck.
647921
Yes, you can file for bankruptcy.\nYou will still have to pay the court judgment and according to the new bankruptcy laws probably all of your other debt but it might stop some interest charges and late payment fees.\n\nYou should consult an attorney obviously I do not know what state you live in and the details of your case.
985459
First, before filing Chapter 7, ask you attorney to work with your creditors to see if they can reduce the debt owed by paying a certain percent of the debt owed (i.e. $.25 on the dollar) with a monthly payment plan in place.  If it is in your budget to do so, this is your best avenue.\n\nIf this is not an option and you do have to file, it will take a little while to rebuild your credit.  BE PATIENT.  You will not be able to buy a house or car (without paying outrageous interest rates or exorbitant fees) right out of the gate and will more than likely end up in the same position once again.\n\nYou will be bombarded by credit card companies to "help re-establish your credit".  It would not hurt to get ONE credit card with a very low line of credit ($500).  Use this only in case of emergencies and pay off as quickly as possible.  \n\nMost important is to be patient and not get yourself into the same boat again.  Within a few years (3 or so), you should be able to pursue home ownership or car purchases.
730399
Iam 35 and I also made some bad financial decisions when I was younger. My advice is to clear your name, get the debts out the way and start a clean slate. Ring them up and sort something out. It will be better for you in the future, because it will give you more options, and you wont have the weight of it hanging over you.
498793
This is why you should not do your own bankruptcy.  Hire an attorney and let him/her help you.
43474
I would say no. Filing bankruptcy should be an absolute last resort. It ruins your credit for a long time.\n\n$8,000 is really not that much money. Why can't you do something to earn extra money to pay it off? A second job? Babysitting? Something like that.
694380
My wife is a bank manager. You can't buy a home with a conventional loan in a year or two if you file bankruptcy. Fight against it for as long as you can. I believe it stays on your record for seven years. Look for help from family and friends or private or public agencies who provide financial advice( They will work with your creditors in establishing a payment schedule.) Bankruptcy is your last resort. The government has made it much more difficult to do so in recent years.
662752
I can't stand you people who are giving horrible advice. If you file suit against someone and they file bankruptcy, you are still able to collect. Judgments are non dischargeable when filing Bankruptcy. Any court order form of payments are nondischargeable. You get a judgment and record it with the clerk/state, it is vaild for 10 years and if the defendant receives any money or assets you can place a lien on them. Also, if you get a judgment you and your attorney can file a citation to discover assets to get your settlement. They will then need to sell any assets they own (up to a certain amount) to satisfy your judgment.\n\nDo not take the first amount the insurance company offers you. You can get more. Even without an attorney you need to ask for things other things like gas that was in your car, if you had new tires, they usually will pay the tax on a new car up to the value of your old car, the title and license. You can accept the check from you insuance company and then sue her and her insuance for reimbursement. Your insurance will put a lien on the amount you recover usually 2/3s of what they paid out. Don't give your insurance company any information that will incriminate you. You can tell them you are seeking counsel and will be intouch with them about it.\n\nIf you are moving out of state, you need to make sure that you are able to go back to the county that you are moving from because you need to file suit in either the county you lived when this happened, county it happened in or the county that she live in. (assuming they are all different)
899067
I just love all these "pay the bills" answers!  Come on guys!  Didn't you read the part where he said he was unable to pay them for years?  Don't you think he would pay them if he could?  Sheesh!\n\ndbuitt22 is on the right track.  \n\nIf you filed for bankruptcy, it will appear on your credit report for the next 10 years.  In your situation BK is not the answer.\n\nStart by reading the links below, so you understand what the Statute of Limitations is.  After a certain period of time, you no longer have a legal obligation to pay those debts.  Therefore, the only issue you have with those older debts is that they are on your credit report.  If you wait a couple years they will drop off automatically.\n\nIf the debts are recent (2-4 years) you could consider contacting them to negotiate a payment plan.  \n\nBut bankruptcy?  Not in your case.  Never file BK for debts under $20k.  \n\nContact me if you need more specific advice.  I am not a lawyer or credit counselor.  Just someone who likes to fight with creditors.
225326
You can dispute it through all three credit bureaus and also contact the bankruptcy trustee and let them know. They can help you also.
1172874
1st, there was a similar question to this a few days ago from confused dude.  You might try to find that answer in case this one leaves something unaswered.  \n\nNow, as I said then, I am NOT a bankruptcy Attorney and this is NOT legal advice.  This is what I remember from a bankruptcy (bk) class where I got a crappy grade.  There are 2 kinds of consumer bk.  Chapters (ch) 7 and 13.  You will need to do a credit counseling session before either ch. This will cost about $50 or so and is supposed to help prevent you being in this situation again.  \n\nCh 13 is a court approved payment plan called a re-organization where your 'excess' cash goes to pay a portion of the bill that you had before you filed for bk.  This is still easy to get into but you will be in this plan for 5 years.  \n\nCh 7 is a discharge of your obligation to pay.  You have to qualify under income guidelines that vary per state.  Under this ch after your non exempt stuff is (sold and the cash) applied to your debt it is discharged from your having an obligation to pay it.  It does not go away and co-signers will be obligated for it at that point.  There are exceptions to discharge and some of these are: student loans, taxes, child support, and fines.  This list is not comprehensive.  Also, property that is being used as collateral for loans (house, car, etc.) can be taken back or repossessed by the lien holder is arrangements are not made regarding those items.\n\nSo, if you can qualify for a ch 7 bk then you should probably not have to pay for the credit cards.  If you have to do a ch 13 then you would have to pay a percentage of what is owed to the credit card companies.  Generally this is not a really high percentage.\n\nI didn't mean to give such a long answer but I thought that knowing what your options are and what problems you might encounter would be helpful.
628859
Depends on 1) how long ago the bankruptcy was 2) where you credit stands now 3) where you are financially now and 4) how much the loan is for.\n\nEasiest way is hit the bank and ask.
867624
I wish Debt Guru would tone down his answers.  It's bad enough they are self serving, but they are very deceptive.\n\nOK, true.  A bankruptcy stays on your "public record" forever.  But most lenders don't look at your "public record" (which is actually the bankruptcy court records).  Most will look at your credit report, and the BK listing is removed after 10 years.  \n\nJust thought I'd point that out again.\n\nAnd debt settlement only works if the creditor agrees to work with these companies.  They are NOT required to do so, and in many cases these companies do more harm then good.  Most are fronts for lenders trying to sell consolidation loans!  Don't believe me, take a look at the FTC website at http://www.ftc.gov\n\nOK, so what's my opinion?  Can't give you one with such limited information.  \n\nFirst take a look at the link below, as it describes what the bankruptcy laws are going to do for you.  \n\nAsk yourself this question.....\n\nIf you were to sit down and create a very strict budget (no more Starbucks, no eating out, no movies...) and put all of your "disposable" income into paying off this debt, can you do it in 5 years?\n\nFor example, lets say after you have made your budget you can afford only $200 a month, and you owe $20,000 in debts.  In this case, assuming the creditors are nice enough to wave late fees and interest (yeah, right), it's going to take about 9 years.  In that time, your credit report is ruined due to all the late payment and collection notices.  \n\nIn reality, all of your creditors are NOT going to wait more then 2 years for their money. You will be hammered with lawsuits, collection agents, and still have bad credit for several years.\n\nOr....when you file for bankruptcy you will still be put on a very strict budget.  But your bills will be paid off completely in 3-5 years. In most cases you will only be paying back a portion of the debt.\n\nTrue, your credit is trashed for 10 years.  But at least you can start your life over without all the debt and harrassment that goes along with it.\n\nGood luck.  BK is a hard decision to make.
208930
It depends on how your 'Community Property' laws in your state work.\nYou might want to retain a financial lawyer, or at least hunt around for a decent one experienced with financial matters.\nI would suggest you keep your finances separate, too. Stuff only in your name and such.\nOn a side note...even if it is illegal, creditors will say anything and everything to get money out of you. \nIf they've already discharged the bankruptcy, creditors cannot bother you anymore unless you fail to pay on agreed terms setup in the bankruptcy. We only had a couple of issues with creditors, but, as soon as you say it was discharged and give them the doc-number,they'll usually leave you alone.
101060
If you feel the moral obligation to repay some of your debts over time, you might consider a Chapter 13 bankruptcy.  I consider debt consolidationn services to be worthless.  Contact a local bankruptcy for further assistance.
391644
Ignore the other answers, they are wrong.\n\nYour credit rating does NOT combine once you get married.  Each of you have your own credit rating.\n\nIt will effect you if the house or other property is in his name.  Creditors can go after his wages, or attach to his property if it's in his name ONLY.  If your name is on it, they can not touch it (check your local state laws to be sure).  Were I live, if it's his debt, they can't go after jointly owned property.\n\nAnd you must be awfully rich of $25,000 isn't much debt!  Many consider that amount the starting point to consider filing for bankruptcy.