Questions about chapter 7

[LouieBones]

I'm filling for Chapter 7 and my wife is not.

I'm married but not on the loan for our home but my name is on the deed. We just financed the home 3 months ago. I received a summons to revive judgment from 2013.
The question i am asking is since I'm not on the mortgage loan can they put a lean on our home because i was told they are.

[flashoflight]

Not being on the mortgage doesn't help you. If you are identified as one of the owners of the house, they can put a lien on it. If you wait until after they put a lien on it, your bankruptcy will cost a couple of thousand more in legal fees to remove the lien and you'll want to remove the lien while the bankruptcy case is open. Don't drop any hints to the creditor that you are thinking of BK or they might file the lien faster. Hire a BK attorney and file BK fast if filing is the right thing to do.

It's a race to the courthouse between you and the creditor to file the BK vs. recording the judgment lien on the house. A normal BK case can take a couple of weeks to prep and file, so don't wait around.