How long will my fiance be affected if I filed for bankruptcy? 23 Answers as of June 18, 2013

I filed bankruptcy in November 2011 and plan to get married in 2012. How will my fiance be afftected? We will not live together initially and there will be no financial support until we live together.

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Bankruptcy Law office of Bill Rubendall
Bankruptcy Law office of Bill Rubendall | William M. Rubendall
When filing for joint credit the bankruptcy of one spouse will show up on the credit report. This doesn't happen if you apply for credit in the sole name of the non-filer.
Answer Applies to: California
Replied: 3/15/2012
Charles Schneider, P.C.
Charles Schneider, P.C. | Charles J. Schneider
He ought not be affected unless he has a joint debt with you.
Answer Applies to: Michigan
Replied: 3/14/2012
The Law Offices of Kristy Qiu
The Law Offices of Kristy Qiu | Mengjun Qiu
She will not be affected.
Answer Applies to: Florida
Replied: 3/13/2012
Steven Harrell, Attorney at Law | Waymon Steven Harrell
Your fiance will not be affected by you filing a single Chapter 7 or Chapter 13 case.
Answer Applies to: Georgia
Replied: 3/13/2012
Ferguson & Ferguson
Ferguson & Ferguson | Jackie Ferguson Graham
If you don't have any debts together, then there should not be any effect on your fiance if you file.
Answer Applies to: Alabama
Replied: 3/13/2012
    Benson Law Firm
    Benson Law Firm | David Benson
    If you are unmarried and not living together during your bankruptcy, your fiance should remain unaffected by your filing. However, he will be included as a household member should you marry or begin living together and his income will be included in determining whether you qualify under Chapter 7 or how much you should pay in a Chapter 13 plan. This is just the kind of bankruptcy planning that requires the assistance of qualified counsel. Congratulations on your pending nuptials.
    Answer Applies to: Ohio
    Replied: 3/13/2012
    Yahima Suarez, A Law Firm, PL | YAHIMA SUAREZ
    She will not be affected.
    Answer Applies to: Florida
    Replied: 3/13/2012
    The Law Office of Darren Aronow, PC
    The Law Office of Darren Aronow, PC | Darren Aronow
    He will not be affected if he did not co sign for any of your debt. Just because you are getting married does not make him liable for any of your past debts.
    Answer Applies to: New York
    Replied: 3/13/2012
    Law Office of Lynnmarie A. Johnson
    Law Office of Lynnmarie A. Johnson | Lynnmarie Johnson
    Assuming you have no joint debt, your fiance should not be affected by your filing bankruptcy at all. Or not at least until you go to get something on credit that is big enough that you need to use both your incomes and/or credit scores to get it. Then you will be stuck with only using your fiance's until you can improve yours. But there is no direct effect assuming no joint debt. Good luck!
    Answer Applies to: Michigan
    Replied: 3/13/2012
    J.M. Cook, P.A. | J.M. Cook
    Your debt is your debt; your fiance will not be affected - ever.
    Answer Applies to: North Carolina
    Replied: 3/13/2012
    Heupel Law
    Heupel Law | Kevin Heupel
    Your fiancee will not be impacted by you filing bankruptcy provided that you do not have any joint debts with her/him.
    Answer Applies to: Colorado
    Replied: 3/12/2012
    Guardian Law Group PLLC
    Guardian Law Group PLLC | C. David Hester
    If it was Chapter 7 then you should not be affected at all unless you jointly apply for credit or rentals if they check for credit.
    Answer Applies to: Utah
    Replied: 3/12/2012
    Janet A. Lawson Bankruptcy Attorney
    Janet A. Lawson Bankruptcy Attorney | Janet Lawson
    It will have no affect on anyone but you.
    Answer Applies to: California
    Replied: 6/18/2013
    Law Office of Jeffrey Solomon
    Law Office of Jeffrey Solomon | Jeffrey Solomon
    The bankruptcy will have no effect on your fiance. I assume you did not have any joint debt. Of course if you apply jointly for credit your credit will be involved to obtain a new joint loan.
    Answer Applies to: Florida
    Replied: 3/12/2012
    T.K. Byrne | Timothy K. Byrne
    She will not be affected directly. There may be interest and down payment issues if you both want to make a joint purchase. However, your bankruptcy will not impact her credit score or credit worthiness.
    Answer Applies to: Mississippi
    Replied: 3/12/2012
    Diefer Law Group, P.C.
    Diefer Law Group, P.C. | Abel Fernandez
    If your fiance is not on any of your debts your bankruptcy filing will not affect them in any way.
    Answer Applies to: California
    Replied: 3/12/2012
    Musilli Brennan Associates PLLC
    Musilli Brennan Associates PLLC | John F Brennan
    Your fiance should not have any issue unless you make a joint credit application. There might be some cross over following your residing together and post marriage but generally the credit scores of individuals are calculated separately
    Answer Applies to: Michigan
    Replied: 3/12/2012
    Kenneth A. Parker, P.C.
    Kenneth A. Parker, P.C. | Ken Parker
    She should not be affected by your bankruptcy. Once you are married, she will only be affected to the extent that you apply for joint credit. So if you go to buy a house together, the credit application would be affected by your bankruptcy. However, if she applies for credit in her name only, your bankruptcy will not affect her at all.
    Answer Applies to: Georgia
    Replied: 3/12/2012
    Heineman Law Office
    Heineman Law Office | Jeff Heineman
    If your fiance was not on any of your debts listed in the bankruptcy, then she should not be affected. I assume that your question is the effect of the bankruptcy on her credit score. Credit scores are based on individuals; Spouses should not affect each other's scores, in general. At the same time, closely watch your score after you marry, as credit reporting agencies errantly place a spouse's debt onto the other spouse's report. Also, if you give our fiance a companion card when you obtain a credit card, you may affect each other's credit, if you become delinquent in making payments. If you want one of you two to have a decent score, then avoid joint debts for a while.
    Answer Applies to: Idaho
    Replied: 3/12/2012
    Ross Smith, Attorney at Law
    Ross Smith, Attorney at Law | Charles Ross Smith III
    You do not say what kind of bankruptcy you are filing. But it doesn't matter. Your bankruptcy will NOT affect your fiance's credit. However, it will make you a weaker partner for the joint finanacing of a home for about 4 years. Bankruptcy stays on your record for 10 years, if it is a Chapter 7. But after 4 years, the effect is greatly diminished. After 2 years, you are OK for HUD, FHA, and VA home loans.
    Answer Applies to: Ohio
    Replied: 3/12/2012
    Dan Wilson Bankruptcy
    Dan Wilson Bankruptcy | Dan Wilson
    Your fiance should not be effected at all.
    Answer Applies to: Colorado
    Replied: 6/18/2013
    Debt Relief Law Center | Roger J. Bus
    A bankruptcy is reported on the Debtor's credit report only, it is not reported on a fiance' or new spouse's credit report. If you apply for a joint loan in the future, then your bankruptcy would come up. Bankruptcies can be reported "up to ten years." However, some credit unions or some types of government insured loans (such as VA, FHA) will offer credit after waiting two years. For some high interest lenders, the wait time is less, some as low a six months.
    Answer Applies to: Michigan
    Replied: 3/12/2012
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