about 5 years ago I got myself into trouble with mainly credit cards with maybe $15,000 in default.(Not Very Proud if it.)
A few just wrote it off %26amp; 2 Got a Judgement from the courts %26amp; one Collection Agencie had the Seriff come for a Asset sale.
Only thing I could do was file Bankrupcy. #7.
Now that I can breath again,my wife wants to refinance house with me on Title this time.
My concern is that some how some way even 10 years after filing Bankrupcy they will try to collect on the defaulted credit card loans %26amp; put a lein on the house and force us to forclose.
Thanks in advance for your input.
Collection Agencies %26amp; Non Collateral Loans?
If the debts were listed in the bankruptcy filing, they cannot collect on them.
However, if you have not re-established credit, your wife may find that she can qualify for a much better interest rate by herself than with your name on the title as well.
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