Hi, thanks for your question. You should hire a lawyer for specific legal advice. No attorney client relationship is created here.
Thanks for your questions.
First, you can file bankruptcy individually.
Issues to consider are joint debts. These should be addressed in the divorce settlement agreement, so talk to your divorce lawyer about limiting your liability on these after bankruptcy
Talk to your lender - refinance can take your ex off of the mortgage loan. it does not transfer title, that is done thru sale or thru quitclaim (signing it over).
your lender may /may not want someone else cosigned on the loan -talk to your mortgage person about that. some do, some don't, depending on many variables.
Whomever is on the deed is the owner of the property. The divorce process can allocate debt and assets though.
Let me know if you have any other questions.
thank u Terry, my x and i have accumulated $115k worth of cc debts and have made no payments due to severe financial difficulties, i may accept the debts on cc part of the bargain and want to file bankruptsy, but i want to know is there a way of me keeping my name on the deed only and someone else on the deed (maybe by selling it) and still be able to file??
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