I am dealing with a debt settlement company for 13 months and I had 12 credit card debts and now the higher ones are coming and suing me. The settlement company says that I am on my own and I also have a joint consolidation Home Re-Equity loan with my cousin and I do not want to get her involved and would like to keep this loan out of the filing of bankruptcy. Can this happen? I do not want to have these credit card company’s start holding my checking account hostage and then I will not have anything and will fall farther into debt. Please help!
“If I would file for bankruptcy, can I hold back a joint account and not file a chapter 13 for this account”?
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