Student Loan Debt: Should I explore my bankruptcy options?

As a bankruptcy attorney in Asheville, NC, I frequently speak with people having difficulty with their student loan debt.  These folks are sharp enough to figure out that student loan debt is generally not dischargeable in a Chapter 7 or Chapter 13 bankruptcy case. Even so, I strongly recommend folks having trouble paying their bills…

Can I File A Bankruptcy Case Without My Spouse?

Yes, as an Asheville bankruptcy lawyer, I file individual Chapter 7 and Chapter 13 cases.  An individual filing will not affect the non-filing spouse’s credit rating or appear on their credit report.  Married couples are also allowed to file ‘jointly,’ where both spouses open a bankruptcy case together. The critical factor to keep in mind…