Will my roommates bankruptcy affect me? 28 Answers as of October 28, 2011

The rent debt can be discharged by her in bankruptcy. This action may caused the landlord to come after you for the rent.

Her debt will be discharged. Unfortunately, you will still be responsible for the debt.

If you were on the lease the eviction will show on your record, her bankruptcy will not.

The landlord will now come after you for all of the back rent and whatever else he thinks is owed. If you were both on the lease, you were jointly and severally liable, meaning the creditor can collect 100% of the debt from either one of you. She is being relieved of the obligation to the landlord by the bankruptcy court, so you will be the only one left to collect from. If you do pay you may have a claim for indemnification, or contribution against the roommate. It is complicated as to whether the bankruptcy relieves her of liability to you, and you'd need to consult an attorney to be sure it didn't. More to the point, she's bankrupt, how would you collect from her?

If both are liable on the debt, you will still remain liable. The bankruptcy will discharge the debt to your roommate. Because you were on the lease, you will remain liable on the debt.

Presumably the debt is for unpaid rent, although you did not say so. Whoever is on the rental agreement will be liable. If she files for bankruptcy alone and you are on the agreement she will be discharged and you will still be liable.

If both you and your roommate were on the lease or there is a judgment against both of you, you will be responsible for the entire obligation. This is if your roommate receives a discharge. I'm sure this was not what you wanted to hear. Sorry.

Although your roommate's obligation to pay his/her debts may be discharged in a bankruptcy proceeding, that does not wipe out your separate obligation to pay a debt held jointly with the roommate. You should consult with an attorney who specializes in landlord/tenant law to review your lease and eviction documents and to determine what, if any, obligation you may have for unpaid rent.

If you are both on the lease, then you are just as responsible as she is. So her filing bankruptcy will discharge her debt but not yours.

Her BK doesn't effect you, but you can be liable for the rent.

By filing bankruptcy she can be discharged from that debt. If you were on the rental agreement you would still be liable for the entire balance as the bankruptcy only affects her liability and not everyone on the rental agreement.

Your roommate can discharge her obligation to pay the lease through her bankruptcy but not your obligation to pay assuming you signed the lease. If you did sign the lease then you will be responsible to the payment of the outstanding amount due to the landlord.

If you're roommate files for bankruptcy, the outstanding debt that she owes to the landlord will likely be discharged in her bankruptcy. However, it is important to understand that if you were on the lease (or other rental agreement or if the judgment for possession entered against you as well as your roommate and included damages for past due rent), you will still owe all of the past due rent even after your roommate receives her discharge in bankruptcy.

The debt will be discharged as to her. If you also signed on the lease, the landlord may go after you. However if you did not sign the lease the debt as to your room mate will be discharged and you need not worry.

If you signed the lease, you may have signed to be responsible for the entire amount and not "just your half." In that case her filing will make you responsible for the entire amount.

A bankruptcy will discharge her obligation in regards to the lease. If you also signed the lease, you be responsible for the balance despite her filing bankruptcy.