Nalcrest, FL Bankruptcy Law Firms & Lawyers

If the debts were your STB husband's and he did not file with you, they did not discharge the debts from your STB husband's record. If your attorney told you otherwise, then malpractice might have occurred, but you need to be clear that he told you that your filing would wipe out your STB husband's debts, which is never the case. Your STB husband may need to consider speaking to an attorney to file a Chapter 7 for himself.

You need to get an attorney to do this for you. You may not realize this but if you wait long enough, you won't have to pay some or all of your income taxes. However, if you file now, you'll definitely be paying a large chunk, if not all of it. I just wrote an in-depth article on the dischargeability of taxes in bankruptcy (currently awaiting publishing). The rules are extremely complicated and most "good" attorneys only know the very basics of how it works. I highly recommend that you don't do it yourself and that even if you want to do it yourself, buy an hour or two of an attorney's time to check out the tax consequences.