Glenn A. Brown, DMD, MBA

Although you can file a “joint case together with your spouse, you are not required to do so. And sometimes definitely shouldn’t.

If you filed two bankruptcy cases in the last year that got dismissed, you need to ask the court to now get the protection of the “stay.”

Either be prepared to justify why you should be allowed to file a second bankruptcy case within a year, or maybe instead wait out the year.

If you can’t protect your co-signer through Chapter 7, Chapter 13 provides a strong and creative solution.