After many years of horrible credit (simply because I never made enough money to sustain the debts after my divorce), I'm now on the road to recovery and am trying to assess my situation and weigh my options.
How have BK laws changed? I'm contemplating filing because of the numerous judgements and collections I have, totaling about $15,000, plus another $18,000 on a 2nd mortgage for a house that was foreclosed on.
Also, can I file seperately from my husband? Or are we required to file together?