How JustAnswer Works:

  • Ask an Expert
    Experts are full of valuable knowledge and are ready to help with any question. Credentials confirmed by a Fortune 500 verification firm.
  • Get a Professional Answer
    Via email, text message, or notification as you wait on our site.
    Ask follow up questions if you need to.
  • 100% Satisfaction Guarantee
    Rate the answer you receive.

Ask Law Girl Your Own Question

Law Girl
Law Girl, Attorney
Category: Bankruptcy Law
Satisfied Customers: 4606
Experience:  I am an attorney.
Type Your Bankruptcy Law Question Here...
Law Girl is online now
A new question is answered every 9 seconds

Im on the debtors assistance program since April

Resolved Question:

I''m on the debtors assistance program since April 17 2001, due to student loan debt. I''ve been compliant with consolidation orders, in 2005 my husband to be at the time took out a credit line, and I signed my name. Today I received a letter stating "under section 233 (1)c of Bankruptcy and Insolvency Act, debtor is restricted from incurring further debt in excess of $500. They have asked me to sign a letter to verify compliance in order to do a credit check. My understanding is that I can''t take out any loans, or have a credit card, or make major purchases, but what if now my husband takes it out, would this disqualify me from the debtor assistance program? What further recourse can the debtors assistance have?
Submitted: 6 years ago.
Category: Bankruptcy Law
Expert:  Law Girl replied 6 years ago.

Dear lousalter:

By signing your name, it sounds like you were also a party to taking out the credit line, which would be a violation of the terms of the Act and potentially your debtor's assistance program. If your husband takes out the loan, that is fine, you are just unable to be a party to the loan. If the debtor's assistance finds out that the terms of the program have been violated, then they can drop you from the program. They may also have other recourse as laid out in your contract with them.

Please let me know if you have any other questions, or require clarification of this matter. Otherwise please hit "ACCEPT", so I may receive credit for my response. Tips and feedback are also appreciated.

Good Luck!


Customer: replied 6 years ago.
Reply to Law Girl's Post: I went to see the bank and they say I'm a co-applicant, and that they did not know that I was on the Debtor's assistance program. This is false, I've been honest with them from the beginning, since I knew I could not take out credit, or make any other purchases. My understanding was that by signing , I would not be the applicant, but help with the payments. My husband was the main applicant. Since I've been on this program, I've made payments, faithfully and have not been able to financially accumulate or invest or purchase, for almost eight years. It doesn't seem fare to me, when I am working for the government, that they should penalize me, and cut me off like this now. I am very upset about this, will seek legal advice.
Expert:  Law Girl replied 6 years ago.

Unfortunately, the only reason they would have you sing the loan is if they considered you a co-applicant. I am not sure the bank understood that although you would be making some of the payments, you could not sign documentation making you legally responsible for any of the payments.

It may behoove you to seek legal advice to ensure that your rights are protected moving forward.

Law Girl, Attorney
Category: Bankruptcy Law
Satisfied Customers: 4606
Experience: I am an attorney.
Law Girl and other Bankruptcy Law Specialists are ready to help you

JustAnswer in the News:

Ask-a-doc Web sites: If you've got a quick question, you can try to get an answer from sites that say they have various specialists on hand to give quick answers... seen a spike since October in legal questions from readers about layoffs, unemployment and severance.
Web sites like
...leave nothing to chance.
Traffic on JustAnswer rose 14 percent...and had nearly 400,000 page views in 30 days...inquiries related to stress, high blood pressure, drinking and heart pain jumped 33 percent.
Tory Johnson, GMA Workplace Contributor, discusses work-from-home jobs, such as JustAnswer in which verified Experts answer people’s questions.
I will tell you that...the things you have to go through to be an Expert are quite rigorous.

What Customers are Saying:

  • Mr. Kaplun clearly had an exceptional understanding of the issue and was able to explain it concisely. I would recommend JustAnswer to anyone. Great service that lives up to its promises! Gary B. Edmond, OK
< Last | Next >
  • Mr. Kaplun clearly had an exceptional understanding of the issue and was able to explain it concisely. I would recommend JustAnswer to anyone. Great service that lives up to its promises! Gary B. Edmond, OK
  • My Expert was fast and seemed to have the answer to my taser question at the tips of her fingers. Communication was excellent. I left feeling confident in her answer. Eric Redwood City, CA
  • I am very pleased with JustAnswer as a place to go for divorce or criminal law knowledge and insight. Michael Wichita, KS
  • PaulMJD helped me with questions I had regarding an urgent legal matter. His answers were excellent. Three H. Houston, TX
  • Anne was extremely helpful. Her information put me in the right direction for action that kept me legal, possible saving me a ton of money in the future. Thank you again, Anne!! Elaine Atlanta, GA
  • It worked great. I had the facts and I presented them to my ex-landlord and she folded and returned my deposit. The 50 bucks I spent with you solved my problem. Tony Apopka, FL
  • Wonderful service, prompt, efficient, and accurate. Couldn't have asked for more. I cannot thank you enough for your help. Mary C. Freshfield, Liverpool, UK

Meet The Experts:

  • FiveStarLaw


    Satisfied Customers:

    Bankruptcy Lawyer. Experienced.
< Last | Next >
  • FiveStarLaw's Avatar



    Satisfied Customers:

    Bankruptcy Lawyer. Experienced.
  • Terry L.'s Avatar

    Terry L.


    Satisfied Customers:

    Better Business Bur 15yrs bankruptcy experience. Chicago Bar
  • Phillips Esq.'s Avatar

    Phillips Esq.


    Satisfied Customers:

    B.A.; M.B.A.; J.D.
  • cortrightlaw's Avatar



    Satisfied Customers:

    Attorney practicing Bankruptcy Law including Chapter 7, Chapter 11, Chapter 12, and Chapter 13.
  • JoeLawyer's Avatar



    Satisfied Customers:

    Attorney in the practice of Bankruptcy Law since 1996
  • dylatess's Avatar



    Satisfied Customers:

    35 plus years of experience specializing in bankruptcy law
  • Brent Blanchard's Avatar

    Brent Blanchard

    Bankruptcy Attorney

    Satisfied Customers:

    Twelve years experience in all aspects of debtor & creditor BK.
Chat Now With A Bankruptcy Lawyer
Law Girl
Law Girl
153 Satisfied Customers
I am an attorney.