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Thread: Bankruptcy (Credit Rating) Virginia

  1. #1
    Junior Member
    Join Date
    Nov 2004

    Default Bankruptcy (Credit Rating) Virginia

    Can one spouse file bankruptcy for bills solely in that spouses name without effecting the other spouses credit rating?

  2. #2
    Super Moderator
    Join Date
    Apr 2007
    Il.(near STL,Mo.)


    Each person has a separate credit file for credit reporting purposes. Your debts, if yours alone, are not supposed to show in your spouse's credit file. Also, your bankruptcy should not show in your spouse's file if you have no joint debts.

    Even so, it pays to monitor your credit file since credit reporting does not always follow the law.

    The filing spouse will want to talk to a bankruptcy attorney.
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