Just filed, have a few questions

[1qweenb]

Hey all, well I thoguht long and hard and I filed without my husband on Septemeber 15th. Its been 3 long years of supporting a household while my hubby finfished school and some just down right foolish spending, but whatever, I had a decent credit scor but every penny plus some was going to keeping everything current and I just got tired of being broke with so much debt I'd be 100 before I paid it off. My hubby chose not to file which was cool because he owns our rental property and his debt to income is fine.
Thats the story,now the questions:

1. I am an authorized user on 4 cc's, will they be affected by my BK they are in husbands name and are current.

2. Will this have any adverse affect on his credit rating?

3. When will they come and get this damned car I'm done paying Capitol One this outrages note each month and decided to give it back, how long before they decide to come and get it.

Thanks, I know it's alot but any advice is welcomed. Oh and yes it feels good to be free, I never had any collection calls because all accounts were current, but the money juggling every month sucked.

[shabam]

You filed with a lawyer right?

[destitute]

Having kept your account paid prior to filing will help. My credit score was 707 when I filed and almost everything was current. My score dropped quickly to 545 and is now back to 640. I don't understand why but I'm not going to complain about it.

Capitol One won't be able to get your car until after relief of stay is granted. Even if they file for that quickly you should be able to stay with the car until at least a few weeks after your 341 hearing.

If you're not a liable party to the cc's then they won't be affected and that should help you build your credit after