What is the name of your state (only U.S. law)? KY
My spouse and I cannot get a divorce right now because we don't have the money. We tried to file a chapter 7 bankruptcy months ago and they said we'd need to do a chapter 13. I have been toying with divorcing since 2008. Getting a bankruptcy was going to be part of our plan for divorce. We can't afford that, in fact I only have about 180.00 to my name. I have moved out and I pay my own car insurance, car payment, cell phone, etc and I live now with a relative. I have changed my address as well. We get our child each 3.5 days out of the week so neither of us pay the other support or maintenance, my husband is living in the house, I don't want it...he can have it and he pays the mortgage, always has. I am on the title to our home, but not the mortgage as I had no job when we got the house so they didn't put me on the mortgage. My husband is co signer on my car but I plan on keeping my car and paying payments on it. I have the same job I've had for 1.5 years, and it is in my educational field. My job is about 90 miles from my relatives house that I'm living at - one way. I am making the drive, as I only work 4 days per week, and I'm literally sleeping in my car for three of those nights until I can find a job where my relative lives.
Can I file a chapter 7 bankruptcy now that we're no longer supporting one another and I don't live there? Half of my income goes to pay for my student loan, car payment, cell phone, food, gas child and to help my relative that I'm staying with, and a judgement I have from a credit card. I have about 15 grand in credit card debt and I'd like to wipe that out, start working on my credit that was ruined by my enabling of a spouse to spend spend (our credit cards were never joint accounts), save for an actual divorce and move on. My plan is that after bankruptcy I'd like to have good enough credit and money saved to purchase my family home when my only living parent dies from my two step siblings. We are each 1/3 heir, and instead of selling it and all three of us taking the money, I'd like to pay them for their share in the property and own the home so I can have something for myself and my child.
My spouse and I cannot get a divorce right now because we don't have the money. We tried to file a chapter 7 bankruptcy months ago and they said we'd need to do a chapter 13. I have been toying with divorcing since 2008. Getting a bankruptcy was going to be part of our plan for divorce. We can't afford that, in fact I only have about 180.00 to my name. I have moved out and I pay my own car insurance, car payment, cell phone, etc and I live now with a relative. I have changed my address as well. We get our child each 3.5 days out of the week so neither of us pay the other support or maintenance, my husband is living in the house, I don't want it...he can have it and he pays the mortgage, always has. I am on the title to our home, but not the mortgage as I had no job when we got the house so they didn't put me on the mortgage. My husband is co signer on my car but I plan on keeping my car and paying payments on it. I have the same job I've had for 1.5 years, and it is in my educational field. My job is about 90 miles from my relatives house that I'm living at - one way. I am making the drive, as I only work 4 days per week, and I'm literally sleeping in my car for three of those nights until I can find a job where my relative lives.
Can I file a chapter 7 bankruptcy now that we're no longer supporting one another and I don't live there? Half of my income goes to pay for my student loan, car payment, cell phone, food, gas child and to help my relative that I'm staying with, and a judgement I have from a credit card. I have about 15 grand in credit card debt and I'd like to wipe that out, start working on my credit that was ruined by my enabling of a spouse to spend spend (our credit cards were never joint accounts), save for an actual divorce and move on. My plan is that after bankruptcy I'd like to have good enough credit and money saved to purchase my family home when my only living parent dies from my two step siblings. We are each 1/3 heir, and instead of selling it and all three of us taking the money, I'd like to pay them for their share in the property and own the home so I can have something for myself and my child.