Cali filing alone, separated: how will it affect wife?

[nocalbk]

Hi There

This is an awesome resource. Thanks. I'm just getting my papers together for a chapter 7 BK in California. Doing it myself since it's basically a no asset case.

The big question I have is how will this impact my wife?

We're separated. All of my credit card debts are individual. We do have a personal loan from a friend, through Virgin Money, that is joint. I intend to pay off that debt.

Will my BK affect her credit rating?

How will our joint personal loan affect her?

Do I have to list her as a joint debtor on schedule H?

We have separated amicably and I want to do everything I can to ensure that my situation has the least impact on her.

Any input and advice would be greatly appreciate.

[JRScott]

Let me ask, are you planning to divorce? or is this bk an attempt to fix the marriage?

[nocalbk]

We're heading towards divorce. But we have not begun the official process yet.

[VFC]

Isn't CA community property state- wouldn't this create some problems?