Nixon, TX Bankruptcy Law Firms & Lawyers

I would speak either attorney but it certainly appears that he is an indispensable party, and additionally the creditor should be seeking a determination on the discharge ability of his debt if it was incurred as a result of a fraud. Generally, fraudulently incurred debts are not dischargeable.

You can file bankruptcy any time you want (assuming you are eligible to file under a given chapter). Whether it is "too late" or not depends on what it is you're trying to accomplish, and you don't provide enough information to even begin answering that question. For example, if your goal is to stop the foreclosure sale and use bankruptcy to catch up on the payments, then it is too late to file after the foreclosure sale has taken place. If your goal is to discharge any deficiency you owe under applicable state law after the foreclosure sale, then it's never too late to file, although there can be significant tax consequences depending on when you file your case.  You would need to discuss that with a tax attorney who has bankruptcy experience. Mark Markus has been practicing exclusively bankruptcy law in California since 1991.  He is a Certified Specialist in Bankruptcy Law by the State Bar of California Board of Legal Specialization,  AV-Rated by martindale.com, and A+ rated by the Better Business Bureau.  

For some employers there is a statutory non-discrimination clause. I would think that any employer would hesitate to fire you. The IRS considers bankruptcy as a responsible, legal solution to out-of-control finances for its employees.