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 Ellen Your Own Question
Ellen, Attorney
Category: Bankruptcy Law
Satisfied Customers: 36714
Experience:  Bankruptcy Lawyer. Experienced.
Type Your Bankruptcy Law Question Here...
Ellen is online now
A new question is answered every 9 seconds

My boyfriend just proposed to me before Xmas, BUT he is about

Resolved Question:

My boyfriend just proposed to me before Xmas, BUT he is about $30K in debt to the IRS, old credit cards, and unpaid hospital bills from a few years ago. He filed for bankruptcy once before and is now so overwhelmed by the debt again that he thinks this is his only option.

I understand that doesn't even know where to start, but I did some research and I don't think another bankruptcy would be good for our future and I think it wont clear the IRS debt.

We don't live together and I have great credit. Obviously, I am very concerned about resolving this before we proceed. Where should we start? Credit counseling? Debt consolidation? It looks like such a mess!
Submitted: 6 years ago.
Category: Bankruptcy Law
Expert:  Ellen replied 6 years ago.

Thank you for your question. I am happy to assist you.

I am a lawyer with 25 years experience. While I am permitted to provide you with legal information, I am prohibited by and various state bar associations from giving legal advice, representing you or entering into an attorney-client relationship through this open and nonconfidential forum.

Your fiancée will want to consider a chapter 7 bankruptcy as opposed to debt consolidation. Although it would not discharge the tax debt, a Chapter 7 bankruptcy could discharge (erase) all of his other unsecured debt such as credit cards, judgments and personal loans. It would be an opportunity for a fresh financial start before beginning married life.

Best wishes for a Happy and Healthy New Year!
Customer: replied 6 years ago.
Just to clarify - when considering the amount and (various) type of debt, bankruptcy seems like a better, more feasible, way to move on with life??? What about trying to pay off the tax debt on a montly plan and consolidating the rest?
Expert:  Ellen replied 6 years ago.
Your boyfriend would typically be able to rehabilitate his credit much faster after a chapter 7 bankruptcy. In addition after you are married, your marital assets may be attached for your husband's debt in California
Ellen and other Bankruptcy Law Specialists are ready to help you

Related Bankruptcy Law Questions