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so.. the answer is no. I am planning to see another bankruptcy lawyer after the holiday season. Hopefully, he can provide some perspective. Thanks guys... I know I am slow but I am trying my best here. It's just hard to pay off debt which was originally about $20,000 and now became over $100,000...

Thanks. Actually, postnuptial option was recommended by 2 bankruptcy lawyers I have counseled previously. I am getting confused more and more everyday...

Is there a chance that the judgment I have maybe a time-barred debt and I don't have to pay anything? The judgment against me has been sustained over 10 years now by renewing it and I have heard the statute of limitations in case of debt in CA is normally 4 years... "Assert your FDCPA rights...

Yes, I got it. Thanks. Now, if the assets of spouse can be affected even for the debt incurred before the marriage, my next question is whether it can be waived if we draw postnuptial agreement to separate her assets from my liability... I should focus on figuring out this one now

I found out that the spouse is not responsible for the debt incurred before the marriage in California: "Separate Debt: Debts incurred before marriage or after separation are separate debts and belong only to the spouse that incurred them." Dividing the Debts in a California Divorce This is a...

Thanks. I am at loss at this point. The bankruptcy lawyer whom I consulted with mentioned that my wife has to declare bankruptcy as well when I do in the state of California. I definitely need to seek more advice...

I have learned previously that my wife has to file bankruptcy as well if I decide to file bankruptcy to avoid any liability of my debt. Then, shouldn't it naturally mean my wife's assets are also at risk in the attempt of debt collection?

I have talked to several bankruptcy lawyers already, but everybody's advice is different. Some advise getting postnuptial because my wife's asset is at risk, and others say I don't need to worry about the assets that are kept under her name. Now, I am not even sure even getting postnuptial could...

I am already married, but my wife and I do not have any shared assets. We both manage our money separately in our disparate bank accounts. Then, my wife does not need to worry about her money taken by the debt collectors in the state of California? So, I do not need to bother with getting a...

the debt incurred before the marriage. Wouldn't the prenuptial reconcile the obligations that I have caused before the marriage if it is still possible to do it?

I heard they can come after my wife's asset as well in California if they find out I am married. I am thinking about prenuptial to avoid the financial responsibilities of spouse... What do you think?

I do not have a house or a steady job. I just have some money in my bank account. So my question would be how they can find out about the assets I have in my bank account if I don't talk to them. Are there ways they can trace it without my assistance?

I have a judgment against me due to a car accident. I heard the collection agencies cannot harass me by calling me and popping up at my place. So, what can they do to collect the amounts put on judgment?

I guess you are right. Thanks

yes... I understand that I need to consult a bankruptcy attorney for more details. Are there any contingencies I should be aware of? or any questions I should ask them to make sure things are taken care properly??

I am thinking about declaring bankruptcy due to the auto injury claim. would my bankruptcy affect the credits or assets of spouse or children? Could collecting agencies come after them if they fail to do it with me?

I have no house or any assets yet. Nevertheless, It is odd that they have not made any attempts to seize my paychecks or tried to contact me personally. I have been working and getting paid for about 6 months now, and they could have gathered from my credit report that I am paying my rents for...

I understand my actions in the past is far from being astute, but I was immature then. I did not think much of it because I was young and naive... I was supposed to leave the country for the army, and It did not occur to me till very recently that I would ever come back here again. Well, like...

ummm... so, my only option now is to declare bankruptcy?