Filing chapter 7 without my spouse

[Jldok]

What is the name of your state? Oklahoma
I lost my job 9 months ago and have not been able to find full-time employment since than. My current employment is part-time and not much money. I am thinking about filing chapter 7 bankruptcy without my spouse. All of the debt is unsecured credit cards and medical bills that are in my name. The only debt we have in both our names is the mortgage on the house. Can I reaffirm this debt without affecting my husband? Would it be better for him to get another mortgage in his name only before I file so that I am not connected with the mortgage? My name is on the deed to the house. Any advice will be most appreciated.

[bigun]

You need to see an attorney.
Yes, you may file an individual bk but, 2 issues. Under bk reform, HH income is taken into condieration by the trustee and, since you're on the deed,your portion of any equity may be at risk.

[GaAtty]

You can't dodge your home ownership. You will likely need to do a Chapter 13, if you want to keep your home. Even if you transfer the deed to your husband, you will have to reveal that in your bankruptcy if you file within the next three years. Talk to a bankruptcy attorney, but you are required to go to consumer credit counseling first, since the new law was passed in 2005.