Bankruptcy Attorney | Married Couples and Severing Bankruptcy Cases

Bankruptcy Attorney  | When married couples find themselves facing a financial crisis, they often start to feel lost, confused and hopeless. Although an easy way out does not always exist, steps can be taken to reduce their losses. Nobody wants to file for bankruptcy, but doing so is the only viable option in some circumstances.

Each couple must sit down and calmly discuss the situation before moving forward so that they can make the choice that is right for them and their needs. Anyone who wants to enjoy the best possible outcome must take the time to look at the advantages and disadvantages of their decision, and speaking with a bankruptcy attorney can help.


Filing for bankruptcy does not come without disadvantages, and failing to put in the effort to fully understand them would be a mistake. Those who move forward with the process can expect to have their credit cards canceled, and the bankruptcy will be reflected on their credit report for up to 10 years. Finding employment or housing will be that much more challenging with such a mark on their record.

Even though bankruptcy can absolve most types of debt, it will not eliminate student loans, overdue child support or back taxes. Also, any items used to secure a loan could be repossessed after a couple has their bankruptcy finalized.


Couples will have the majority of their debt eliminated, and exemptions can be used to prevent them from losing their housing and transportation in some cases; consulting with a bankruptcy attorney can help couples discover which exemptions apply to them.


Although the bankruptcy will appear on a couple’s credit report for up to 10 years, rebuilding their credit enough to take out small loans and to get credit cards can be achieved within a year or two. For many couples, bankruptcy is a better option than facing a seemingly insurmountable mountain of debt from which escape seems impossible.


Our office can assist you in determining whether bankruptcy is the right choice for you, and which chapter under the Bankruptcy Code would provide you with the most relief.  To schedule a free consultation with a knowledgeable Bakersfield bankruptcy attorney about filing a Chapter 7 bankruptcy in Kern County, please call our office today at 661-888-4335 .