or just one?i also havent been making my college loan payments on a regular basis. if after my bankruptcy i start making them on a regular basis am i ok? will my creit improve?
If you are living together and share the debts, it will be like filing taxes with the IRS. you file jointly as a family unit. one lawyer, one fee. When you married, your debts along with your husband's debts become joint debts.
There are two types of bankruptcies.
Ch 7 it total bankruptcy. all debts are cleared except the ones you reaffirm ? intend to pay.
Ch 13 is a repayment plan for all of your debts. None of them are cleared.
Bankruptcies are damaging to your credit. Ch 7 is most damaging, Ch 13 is viewed as less damaging because you are making an effort to accept responsibility for your debts.
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