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When you file a Bankruptcy, you must list all of your assets that you own at the time of fling. In addition, one of the questions that you must answer is whether you have transferred, sold, or given away any assets. This question is asked by the trustee
at the hearing. And you must disclose transfers up to two years earlier. As to whether your spouse files, he or she does not have to file with you. but your spouse's income must be listed. Likewise, it sounds like your home has little or no equity
. Therefore,you can keep your home as long as you can continue making the payments. Finally ,a BK takes about four months from the date you file to when you receive the discharge of your debts.
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