need help answering questions credit card debt

[jeanne101]

What is the name of your state (only U.S. law)? california

I need a couple of questions answered, as I am thinking about filing for bankrupcy.

First of all, I have three credit card accounts that I never paid from about 5-7 year ago. Two have gone to court and I did not contest this matters. The third, I keep getting letters about and I am sure that it will end up going to court also.

All of this debt is from a failed business. I sold the product long ago and paid about $20,000 off in credit card debt when I sold the products.

I do not work and have not worked since I quit my business. My husband works and everything we own is in his name. The house, all the cars, etc. I do not have a job for them to garnish wages from, but I recently got a letter from the county tax assessor saying that there is a possibility to put a lien on our house. I don't understand how, since the house is not in my name and never has been.

Please tell me first of all, if I do nothing in paying these bills, what will happen. Second, can I file bankrupcy and not have it affect my husband. Third, if I go to bankrupcy court, will they take my husbands income into consideration. Fourth, do you think they will void these debts out? We live check to check and have tried to work with these credit cards to get a settlement, but have been unsuccessful. Please advise asap!!

Thanks so much.

~ Jeanne

[VeronicaLodge]

because you are married and you live in a community property state

[nrknlknek]

CA is a 'community property" state which means that your asssets and liabilities are both yours and your husbands.