Question About "joint Filing"
My girlfriend and I are considering filing for bankruptcy. We have a lot of debt built up, some of which is in my name, some in her name, and much in both of our names. Since we're not married, will we have to file seperately? Is there a way we could file together? If we were to be married and file together, would the process of filing be cheaper and/or more efficient than filing apart? (Just FYI - We really don't feel one way or the other about marriage; we've been together for ten years, and if it marriage be advantageous to this process, we might do it.) We live in Virginia and would be filing for Chapter 7.
You will have to file separately. I have written a Bankruptcy FAQ which should answer many of your questions about what is involved--it may be found at http://users.erols.com/lawyer/FAQ/br_faq.htm. I strongly recommend speaking with a local bankruptcy attorney. Most offer free initial consultations and he or she should be able to review your specific situation and let you know what you can and can't do. Since you're in Virginia, please let me know if we can help. Take care.
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