Chapter 1

Chapter 2
Don’t be embarrassed, nervous or afraid

Chapter 3
What causes people to need Banruptcy Relief

Chapter 4
What is the Procedure to File Bankruptcy?

Chapter 5
When should I file bankruptcy?

Chapter 6
What do I lose if I file bankruptcy?

Chapter 7
What happens to my credit score if I file bankruptcy?

Chapter 8
What can bankruptcy do for you?

Chapter 9
What Does Bankruptcy Cost?

Chapter 10
What is the Real Price Difference Between Bankruptcy Lawyers?

Chapter 11
If I am Married, Can I File a Bankruptcy Without my Husband or Wife?

Chapter 12
Will My Employer Find Out if I File Bankruptcy?

Chapter 13
Does Chapter 7 or 13 Bankruptcy “Ruin My Credit?”

Chapter 14
If I File Bankruptcy, Can I Leave Bills or Property or Transfers Off my Bankruptcy Petition?

Chapter 15
Can I File Bankruptcy on Bills in Someone Else’s Name?

Chapter 16
How Does Filing Bankruptcy Affect My Credit Union?

Chapter 17
Can I file bankruptcy if I have co-signers?

Chapter 18
What About My Car in Bankruptcy?

Chapter 19
What Happens to My House in Bankruptcy?

Chapter 20
When Will Creditors Stop Bothering Me?

Chapter 21
Cross-Collateralization Agreements in Bankruptcy

Chapter 22
Bankruptcy and Joint Accounts with Parents

Chapter 23
When do I stop paying my creditors?

Chapter 24
Gas, cable, electric and phone bill

Chapter 25
Bankruptcy and Divorce, Alimony, & Child Support

Chapter 26
What Bankruptcy won't solve

Chapter 27
Chapter 13 Debt repayment Plans

Chapter 28
Will I be able to get credit again?

Chapter 29
Bill Consolidation Loans

Chapter 30
Bill Consolidation Scams

Chapter 31
Wage Assignments, Deductions and Levies

Chapter 32
Student Loans

Chapter 33
Can I get rid of Taxes

Chapter 34
NSF Checks, Traffic & Parking Tickets

Chapter 35
Surrendering Real Estate & Time Shares

Chapter 36
Business Bankruptcy

Chapter 37
Professional Persons

Chapter 38
Do you ever "Not Get" a Discharge?

Chapter 39
File bankruptcy for the debts of my deceased spouse or child?

Chapter 40
What if I need a Bankruptcy lawyer near me?

Chapter 41
About Geraci Law LLC and Peter Francis Geraci

CHAPTER #15 Can I File Bankruptcy on Bills in Someone Else’s Name?

Several interesting complications arise when people mix up their finances with others. You must disclose all such debts or assets.

You can file bankruptcy if you have joint bills. You can protect the co-signer by paying that debt, in either Chapter 7 or 13. Or if you don’t care about the joint signer, just get your discharge and send them in, or let them worry about it.

What if you have asked someone else to run up a bill, and promised to pay for it? Your obligation is only to that someone: you are a stranger to the creditor. The creditor knows of the existence of the person who got the credit, but has no idea of your promise. Therefore, you are not a debtor, except for your debt to the other person. The creditor has no obligation or demand on you, and therefore, the debt cannot be dealt with by your Chapter 7 or Chapter 13. You should list your obligation to the other person, however, so even if you keep paying it, they can’t sue you if you don’t.

In a Chapter 7 bankruptcy, you can discharge your promise or debt to repay the other person's loan, by simply listing the person on your petition. In a Chapter 13, especially if you are in possession of property that was purchased by the other person, you can deal with that property by proposing to pay the other person for it. Of course, if that person does not use the money to pay the creditor they bought it from, you may find that you will lose the property anyway, since the creditor retains its security interest in the property until it is paid.

Sometimes people transfer property to another person, or give another person money to buy something for them, either because they have no ability to borrow themselves, or because they wish to hide their ownership. This must be disclosed on your bankruptcy petition.

Often, it makes no difference if you disclose such transfers, but it is a crime to conceal your ownership in property held in another's name when you are asking for bankruptcy relief. Honesty is the policy. You are a stranger to the creditor, but since you supplied the money to the person who bought it, the other person may owe you money, and if the other person is honest, will say that it is not his property, but yours. This most often arises with cars, where a person is driving and paying insurance on a car, but the plates, title and loan are in a relative's name. Most likely, we cannot help you with that situation either, but it must be disclosed anyway.

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