How to Deal With Your Husband's Chapter 13 Bankruptcy

Filing bankruptcy doesn’t always involve both spouses.  While the burden may be easier to bear if both of you were to file, this isn’t always possible or recommended that both file.  Whenever one spouse has a lot of debt in their name they will file for Chapter 13 bankruptcy alone.  As a spouse, you will want to deal with this and be as supportive as possible.

• Think about the emotional distress the bankruptcy is causing your husband. Filing for bankruptcy can be stressful and embarrassing.  Don’t argue or place blame on him.  Even though the case is in his name, both of you are affected so be sympathetic.


• Help your husband organize his debts, income statements and assets.  This involves a lot of paperwork.  If your husband is under a lot of stress, your assistance can help him stay organized and focused.


• Go to the attorney’s meetings with him.  Remember, your husband’s financial status greatly impacts your life so keep up-to-date with what is happening.  This shows your support and also helps to understand the process.


• Attend the court proceedings.  This will keep you informed about what is happening and how it will affect your husband’s debts.


• Think of the refinancing plan as both of your responsibilities.  Your marriage is a partnership and this isn’t easy on your husband.  However, you can make things easier by helping to shoulder his burden. If you combine all income and bills, be sure the bankruptcy is paid on time each month. If you split income and bills, offer to take on a bill that is normally his responsibility to help give him wiggle room while paying the bankruptcy payment.