Bankruptcy Law Questions? Ask a Bankruptcy Lawyer.
You can file a Bankrutpcy on your own - without your husband or his signature. Filing a Bankruptcy will discharge your obligation to pay all the debts you listed, but will not allow you to keep your home if you are not able to pay the mortgage.
It is true that filing a Bankruptcy is better for you than debt consolidation, but the main reasons it is better are a Bankruptcy is much less costly, and with a Bankrutpcy all debts are discharged. With debt consolidation, in most cases, not all creditors will work with you, so many debtors find they are still liable for at least one of their debts once the debt consolidation process if finished.
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