Attorney

In chapter 7 Bankruptcy there is a process called reaffirmation. Essentially this means that you reaffirm your compulsion for a debt and it will not be discharged by the bankruptcy. Why would anything do that?

Sometimes credit card associates will try to slide one by the card holder by saying if they reaffirm the debt they will forgive half of it and they will continue to carry the inventory as open (with a smaller minimum payment) after the Bankruptcy. Reaffirming an unsecured debt of any kind surely doesn't make any sense. The purpose of a bankruptcy is to give you a fresh start, not naturally to sacrifice the amount of debt you have.

Attorney

Homes and cars are another thing though. If the bulk of your problem debt was credit cards, you may be in a great position to pay for a car now that you are not development payments to credit cards. Unless you live in an area that has excellent communal transportation (where can that be found in the U.S.?) you probably need your car to commute to work. Work obviously is how you originate the earnings to recover. If you are in the unlikely position of having equity in the car, then reaffirmation may work for you.

As a practical matter though, if you just keep development the car payments they aren't going to come and repossess the car. No bank wants to be in the used car business. So you don't have to reaffirm and the inventory will show as discharged by bankruptcy.

Homes are a very emotional issue. Nobody wants to lose a home over a non-payment issue. If however, after determining what your earnings and expenses will be after discharge, you cannot afford the mortgage, taxes and insurance, then you have to give it up. Don't think that you'll be able to find a way to make the cost when the numbers say you can't. If you have a good bankruptcy attorney he won't let you do it.

If you have decent equity in the house and were just unable to sell it, and if you can find a non-bankruptcy someone to partner with you, the judge may reconsider a reaffirmation depending on your partner's ability to accept the liability of your mortgage. This of course would save the house.

Bankruptcy is an emotional time. Don't make decisions with your heart, make them with your head and the guidance of good counsel.

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One of the most agonizing decisions in life today for some citizen is finalizing the divorce. It was much easier for both citizen to sign the marriage license than it is to sign the disjunction papers. You both had dreams of living life together forever but somewhere along the way obstacles and difficulties caused you to drift apart and now you are wondering "should I sign the disjunction papers or give him hell?

If you are hesitating to sign the disjunction papers you're either unwilling to admit that your marriage is over or you have been hurt in some way by your husband and you want revenge. I hope the fancy is because you can't accept the fact that he doesn't love you anymore and you still hope to stop the divorce.

Attorney

So, assuming that you believe your marriage deserves a second chance, should you delay signing the disjunction papers? I would recommend you do the following;

Discuss the pros, cons and legal ramifications of not signing the papers with your Attorney. You need to make sure you will not breaking any rules and have your hamlet negatively impacted by not signing the disjunction papers. Reflect on your marriage and resolve with your head and not your heart why the two of you still belong together. Do you still love him or is it more of the fear of being singular that's driving you to want to restore your marriage. Take a closer look at your connection and resolve if you would be able to accept your husband back just the way he is? You don't want to stop your disjunction if you can't see yourself living with your husband, despite his faults. If he hasn't changed up to now there is no fancy to believe he will convert to your liking.If you get the go ahead from your attorney or if in your case no papers have been filed yet, then I would recommend that you hold off on signing the disjunction papers until you have exhausted all efforts to win back your husbands love.

Marriage is not to be taken lightly and neither should divorce. If you believe in your heart that your marriage shouldn't be over then I think you have a good opening of getting back together.

Let your husband know that you need more time to sort stuff out because you are not 100% convinced that divorcing is the answer.

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