Hi.
I currently live in a community property state but will be relocating to a non-community property state in weeks. Was told I wasn't a good candidate for Ch. 7 because of how recent the charges have been (began using credit cards and lines of credit this time last year after losing a job and opening my own company).
Currently looking for a new job and need to work through whether or not Ch. 13 makes sense (Last full time job paid about $140k but not getting many hits for that right now and owe around $150k).
My question is, if my wife and I seperate bank accounts and live in a non-community property state, creditors can't come after anything that is hers (it will all be when we move for the mere fact of protection), right? The debts are all under my name so they can't touch her or what I may deem to be hers (all we really have at this point are the two vegicles which are paid for and worth $15k each and household goods and jewelry). This would also apply is I filed for Ch. 13, right?
Thanks.
I currently live in a community property state but will be relocating to a non-community property state in weeks. Was told I wasn't a good candidate for Ch. 7 because of how recent the charges have been (began using credit cards and lines of credit this time last year after losing a job and opening my own company).
Currently looking for a new job and need to work through whether or not Ch. 13 makes sense (Last full time job paid about $140k but not getting many hits for that right now and owe around $150k).
My question is, if my wife and I seperate bank accounts and live in a non-community property state, creditors can't come after anything that is hers (it will all be when we move for the mere fact of protection), right? The debts are all under my name so they can't touch her or what I may deem to be hers (all we really have at this point are the two vegicles which are paid for and worth $15k each and household goods and jewelry). This would also apply is I filed for Ch. 13, right?
Thanks.