Hi everyone. I'm really glad I found this forum, since I'm having a lot of trouble getting some answers to my BK questions, even from BK attorneys.

In short, my problem is that I recently found out that a collections firm got an (illegal) default judgment against me, as well as a lien. I was never served and could prove it, but I'm not sure vacating the judgment is even in my best interest at this point. The judgment was for $32,000, and is accruing interest at 10% a year.

I'm considering filing for Chapter 7 bankruptcy in CA, but ran into some problems. This is the scenario: I got married in late 2007. My husband is on the title of some property owned by his family (technically, he has a one-sixth interest in the property). I am not on the title, and his name was put on the title (transferred from his mother) long before we were married. All of my CC debt was incurred before we were married. If I file for Chapter 7, could the lien still attach to his part of the property? Does the fact that we got married now mean that I have some kind of interest in his separate property? His father is trying to sell the property, and I would feel absolutely terrible there was a lien against it because of my debts that have nothing to do with his family.

Any advice would be greatly appreciated. Thanks so much.