Can I File Bankruptcy Without My Husband Knowing? – Janine


“Hi Steve,

I think I know the answer to my questions, but want to see what you have to say about it.

Can I file Bankruptcy without my husband knowing?

Thank you,


Dear Janie,

Technically there is no reason why you have to tell him if you are going bankrupt in your name alone. You will probably need to take in your last couple of tax returns or his pay stubs to verify his income for your means test calculation by the bankruptcy attorney. And his income can alter if you can file a Chapter 7 bankruptcy. You might have to enter a Chapter 13 bankruptcy you can’t afford.

But after helping people with problem debt since 1994 I can assure you hands down that it always leaks out at some point and the wrath from hiding it and being deceptive is worse than just confronting this situation head on now.

There are a number of ways he can accidently find out about it over time, all totally innocent. Hiding your bankruptcy from your life partner and spouse is not wise and foolish. Confront it, deal with it, and move forward without this secret. Things might be chilly around the house in the short run but things will thaw out.

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.

Do you have a question you'd like to ask me for free? Go ahead and click here.

P.S. Be sure to read ‘The Secret of Surviving Through Difficult Economic Times. What I Learned On My Journey‘.

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Steve Rhode is the Get Out of Debt Guy and has been helping good people with bad debt problems since 1994. You can learn more about Steve, here.
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