Bacliff, TX Bankruptcy Law Firms & Lawyers

Once a creditor obtains a judgment, they can utilize the services of local law enforcement to take money & property from you by wage garnishment, bank account attachment, liening any real estate you own, and taking property not protected under state laws called exemptions. If you can qualify to file bankruptcy, you can eliminate this debt in bankruptcy, but if the creditor has recorded a lien on any of your real estate, a supplemental proceeding will be necessary to remove that lien. As you are finding out, the divorce court can say one thing, but if the person you married is irresponsible, you can be stuck holding the bag. IMHO, anyone thinking about getting married ought to think twice and have an investigator check out the financial background of the intended.

To have the bankruptcy information removed from your credit report, you need to submit a dispute to the credit bureaus who are currently reporting that information. The dismissal paperwork that you should have received from the court and/or your bankruptcy attorney will serve as proof that you in fact did not receive a bankruptcy discharge and simply filed a petition for bankruptcy protection that was later dismissed. Your written disputes should be sumitted to the credit bureaus at the addresses found on their websites (they generally have a contact us tab on their websites). They will have 30 days to investigate your claim and update the information, so the change to your credit information may not happen over night, so the sooner you get this information corrected, the better. 

You need to speak to an attorney as soon as possible. It is fair to assume that you will have to pay some money to get out of debt (either to the creditor or to your attorney).