Kinderhook, NY Bankruptcy Law Firms & Lawyers

You must include all debts in your bk. So yes, you can include your credit card debt. While your only an authorized user on the card with your grandmother, the lender should have cancelled the card upon her passing. If she has an estate it will still be liable for payment. There may be legal effects here but unlikely. Your fiance is not liable for your bk filing nor for your debts incurred before marriage. I highly recommend you file bk before you marry, however, because once you are married his income will be drawn into the bankruptcy.

It is impossible to evaluate your situation without more facts. The important missing information is your ongoing income and expenses. Discuss this with an experienced bankruptcy attorney.

Your liability on the debt was discharged unless a Reaffirmation Agreement was signed or an exception to discharge applies. Having an attorney actually look at the docket from your Bankruptcy case, look at the schedules you filed and contact the Mortgage Company is the best way to determine why the Mortgage Company is saying this. There are many potential courses of action depending on what the facts are, including reopening your case to add them as a creditor, or pursuing sanctions for violation of the automatic stay from your case or your ex-spouse's case if the debt is being paid in her plan.