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Do you mind giving me a template to work with for the letter?
I have 13k or so in old credit card debt and a 9k judgment so for me it makes sense. My wife only has a $300 credit card and 16k in student loans. Will she still be able to file with me? I was told student loans are no longer discharged.
Since Missouri is not a community property state, if your wife does not wish to file then she does not have to. However, she should run her credit report through the ftc.gov website and compare it to yours. It is free and secure when using the federal approved website. It is possible that the credit cards may be in both of your names. So she should check and make sure she doesn't have any liability on your debts and they aren't coming up under her name too. If they are, then she may want to file to make sure the creditors don't come after her after you file. Students loans are generally non-dischargeable, except in extreme cases where the debtor would qualify under certain exceptions to the rule.
For the letter you don't really need a template. Make sure it is properly addressed and dated, similarly to a business letter. It should clearly state your Apartment address you lived at, that due to unfortunate financial circumstances you have been required to vacate and terminate the lease on XXX date, you have removed all belongings and have returned possession to the landlord by giving them the keys in person on XXX date. You may even want to mention that you have cleaned it, if you have. You should request that they re-rent it as soon as possible and that they provide you a detailed accounting of all charges they claim which you owe as soon as practicable. You should also give them notice of your address and where to send the detailed accounting. Make sure that you send the letter certified mail, return receipt requested (use the green postcard at the post office) and make sure it is addressed to the legal address that is noted in your lease. Every lease has a provision that says where you should send a legal notice or correspondence.
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Received this letter. How should I handle it? Don't want it on my credit report, I'm trying to buy a house.
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