Saturday, January 7, 2012

How do I file bankrupcty without my spouse?

Ever since being married, my spouse and I have kept our finances separate. He has his bills, income and bank account and I have mine. I have no clue anything about his finances and he knows nothing about mine. He takes care of the house payment, which was his before we married. He takes care of the utlities, etc. I pay for the cleaning supplies, household items and food. We both now live on Social Security. I have several outstandning unsecured credit cards which I am unable to pay, these accounts have been turned over to an outside collection agency and I can't afford to make the payments including the payment which they have offered me as a settlement. I want to file bankrupt however the few lawyers I have called told me they need my spouses income and the last couple yrs of income taxes. I don't want my spouse to know about this and I have no clue about any of his personal business. He is NOT a co-signer on any of my cards nor he is an unauthorized user. Is it possible for me to file bankrupt if I plead my case to a lawyer about how we are married but yet so separated when it comes to personal finances.

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