Will I Have to Tell My Husband if I File Bankruptcy? I Can’t! – Mandy

“Dear Steve,

I have approximately $50,000 in credit card and personal loan debt. Living paycheck to paycheck and counting change to make it. Not enough to cover all the bills each month.

I pay the minimum monthly payment due on the credit cards and then have to turn around and use that card to pay a utility bill with it to get everything paid.

I am unable to make any progress on paying down my credit cards. I have a personal loan that is eating up a huge chunk of cash every month and won’t be paid off until Sept. 2015 so until then I feel like I have to continue living like this.

I have picked up a cleaning job two days a month for a little extra money, am making craft items to sell for extra money and am looking for another part-time job – so far, no luck. Have gone through our house and sold things on eBay as well.

I would like to get a debt consolidation loan but nobody will finance it. I live in PA. I own a home – purchased before I got married and now both my name and my husbands name is on the house. Husband does not know about this huge amount of debt (and before you say it, yes, I know I should tell him but for certain reasons I cannot do that!). Credit cards and loan are only in my name.

Do you know if in PA, could I file bankruptcy alone just for my debts? Will it effect our house? (We have a home equity loan but I would not need to settle that debt). Need help – nowhere to turn and cannot go on like this anymore – the stress is killing me!!!!! Thank you in advance for any help you can give me.


Super Hero - Female

Dear Mandy,

You can file bankruptcy individually but you will need to tell your husband. There are just so many ways he could accidentally find out and doesn’t it make more sense to do it on your schedule?

See also  I Am Deep in Debt And My Husband Doesn't Know. - Vicki

After decades of helping people with debt problems I can’t think of a single case where the secret didn’t leak out and blow up worse later. Besides, he’s going to know something is going on when all the loose stuff around the house is sold on eBay.

The home may be protected in Pennsylvania if you file bankruptcy individually and the house is titled as a tenancy by the entirety. You’ll need to discuss the specifics with a bankruptcy attorney that is licensed in your state.

You can click here to find a local bankruptcy attorney and talk to them for free about your specific situation. Get the facts and then you can make an informed and educated decision if bankruptcy is right for you.

Meet with a local bankruptcy attorney, come up with a plan, and then sit down and tell your husband what the problem and solution is.

Please post your responses and follow-up messages to me on this in the comments section below.


You are not alone. I'm here to help. There is no need to suffer in silence. We can get through this. Tomorrow can be better than today. Don't give up.
Damon Day - Pro Debt Coach

2 thoughts on “Will I Have to Tell My Husband if I File Bankruptcy? I Can’t! – Mandy”

  1. Thank you so very much for your extremely prompt response to my question. I honestly did not think I would receive an answer – let alone that quickly. If you feel I need to tell my husband about possible bankruptcy, would it be better to tell him and then to re-fi our home equity loan to pay off the debts to preserve my credit? Thanks again!!!! Appreciate your help!!! God Bless!

    • I don’t know if refinancing the house would be best, there are other options. But I do know that by working together you have a better chance at a good outcome, whatever that is.

      Talk to him and then come back and post an update in the comments and let’s take it from there.


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