Attorney Answers Riverside County Bankruptcy QuestionBankruptcy & Separate Property in Riverside county, California. My husband has created a large amount of gambling debt and is looking to file a chapter 13 bankruptcy in Riverside county, CA. My sister & I were gifted a home & own the home as joint tenants. We took a loan on the house to remodel. Is there a way that I can protect the home and if my husband files bankruptcy, can that prevent us from selling the home?
Attorney's Response to Bankruptcy Question from Riverside CountyIf you have separate credit, then your husband's bankruptcy filing in Riverside county, CA should not affect your credit in anyway. In fact, if you have no joint accounts or joint assets, then his bankruptcy will not affect you at all. However, unless you are living apart and are legally separated, in a situation where only one spouse files, the income and expenses of the non-filing spouse is required so that the court, the trustee and creditors can evaluate the household's income. This, however, in no way obligates you, either legally or financially. Obviously, to the extent you have joint accounts, you will be affected. The same holds true for any joint assets not exempted by law. For legal advice that pertains to your exact situation, with all facts in hand, you should seek counsel from an experienced bankruptcy lawyer in Riverside county, California.
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