Keystone, CO Bankruptcy Law Firms & Lawyers

1. Contact your bankruptcy lawyer and ask him or her for a copy of the reaffirmation. 2. Press your memory to figure out if you actually signed a reaff. They are fairly long papers, six or seven pages or more, and you would have had to fill in something on most of them. 3. Consult PACER, the federal courts database. Find your case and click on History/Documents. Look for the filing of a reaff. with the Court. If it is there, it can be downloaded. PACER is not free to the general public, so a lawyer who practices in federal courts is the best person to do it. 4. Visit the Clerk of the Bankruptcy Court in which you filed your case. They may be able to locate the document for you, or direct you to a court computer dedicated to that function.

Bankruptcy law does not require you to have a minimum amount of debt to file, but I would not accept your case with debt twice the amount you indicate you owe. The problem you face is called the good faith test. This requires you to show that you could not pay even a quarter of your debt (in your case, $2,250) over 3 years if you just spent your money on necessary living expenses. I find too many people cannot meet that criteria, as they spend money on things that are not true necessities, or spend a lot more than they need to for necessities. In addition, bankruptcy is only available to eliminate debt infrequently. If you file bankruptcy today and in a year, have an expensive hospitalization, what will you do when you owe $100,000 or more. Count your blessings. Your problem is big to you, but small to the bankruptcy process. Other options are available.

Yes, either spouse can file an individual bankruptcy and the fact that there is a divorce pending does not change that fact. On the other hand, your counsel in the divorce proceedings should be made immediately aware so that the divorce settlement or judgment adequately reflects the realities of the future. You do not have a divorce attorney, you should get one immediately. You're welcome to call my office with the details and for an appointment.