{"id":6535,"date":"2020-10-20T17:49:30","date_gmt":"2020-10-20T17:49:30","guid":{"rendered":"https:\/\/mn-bankruptcy.com\/blog\/?p=6535"},"modified":"2020-10-20T17:51:05","modified_gmt":"2020-10-20T17:51:05","slug":"things-to-avoid-before-bankruptcy-item-5-getting-married","status":"publish","type":"post","link":"https:\/\/mn-bankruptcy.com\/blog\/things-to-avoid-before-bankruptcy-item-5-getting-married\/","title":{"rendered":"Things to Avoid Before Bankruptcy:  Item 5 &#8211; Getting Married"},"content":{"rendered":"\n<p>By David J. Kelly, Minnesota Bankruptcy Attorney<\/p>\n\n\n\n<p>Eligibility for bankruptcy is based primarily on household income.  How that is calculated might surprise you.<\/p>\n\n\n\n<p>If you are contemplating bankruptcy and marriage, in most situations  it would be best to do the bankruptcy first.  Get things cleaned up before you start your new life.  If you wait until after you are married, almost all your spouse&#8217;s income will be added to yours for purposes of determining eligibility for bankruptcy. \u00a0This will happen  even if your spouse does not file bankruptcy jointly with you.  <\/p>\n\n\n\n<figure class=\"wp-block-embed-youtube wp-block-embed is-type-video is-provider-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\"><div class=\"wp-block-embed__wrapper\">\n<iframe loading=\"lazy\" title=\"Things to Avoid Before Bankruptcy: Episode 5 - Getting Married\" width=\"525\" height=\"295\" src=\"https:\/\/www.youtube.com\/embed\/nrT7wkkRaPc?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe>\n<\/div><\/figure>\n\n\n\n<p>If you file your bankruptcy while you are still single, however, the only income that will count is yours.  For bankruptcy purposes what is thought of as your income might be more than you would expect.  Included in your income will be any contributions to your living expenses you regularly receive from others.  <\/p>\n\n\n\n<p>What others you might ask?  Well, a good example would be a roommate or roommates with whom you share expenses.  If your roommate is paying half the rent where you live, that half of the rent will be or will probably be considered additional income of yours.  But then you get to claim a larger household size and the expenses of a larger household, which means it tends to all balance out.  You will not have all your roommate&#8217;s income added to yours, but only your roommate&#8217;s contribution to your living expenses.  <\/p>\n\n\n\n<p>Contributions to your living expenses can come from all sorts of different sources:  your adult children, your parent, your significant other, or some friend or relative.  If the person making the contribution lives with you, as I mentioned above, you could typically include that person in your household size.  <\/p>\n\n\n\n<p>BUT if you have a spouse in your home, almost all that person&#8217;s income will be treated as yours &#8211; even if you file your bankruptcy individually.  In many cases this can put a serious damper on your eligibility.  <\/p>\n\n\n\n<p>Every case is different and there are certainly exceptions to what I am saying here. If both you and your partner are in need of a bankruptcy, there is a possibility that you would be better off getting married and then doing one joint bankruptcy instead of two individual bankruptcy cases while you are single. This can be very tricky. If you and your partner both need to file bankruptcy, before getting married have your lawyer run the numbers both ways and follow the advice you receive. \u00a0 <\/p>\n\n\n\n<p>One more word. Getting married or getting divorced solely for the purpose of getting a better deal from the bankruptcy court could be considered bankruptcy fraud, and that could be a felony. Don&#8217;t even think about it. The bankruptcy statute contains a good faith requirement. Don&#8217;t be getting married or divorced unless that is something that you needed to do for non-bankruptcy purposes.<\/p>\n\n\n\n<p> I am a debt relief agency. I help people file for relief under the federal bankruptcy code. This is for general information purposes only and is not legal advice. It does not create an attorney-client relationship. Seek the advice of the attorney of your choice concerning the details of your case. I practice in Minnesota. Rules, laws and practices may be different in your state.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>By David J. Kelly, Minnesota Bankruptcy Attorney Eligibility for bankruptcy is based primarily on household income. How that is calculated might surprise you. If you are contemplating bankruptcy and marriage, in most situations it would be best to do the bankruptcy first. Get things cleaned up before you start your new life. If you wait &hellip; <\/p>\n<p class=\"link-more\"><a href=\"https:\/\/mn-bankruptcy.com\/blog\/things-to-avoid-before-bankruptcy-item-5-getting-married\/\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> &#8220;Things to Avoid Before Bankruptcy:  Item 5 &#8211; Getting Married&#8221;<\/span><\/a><\/p>\n","protected":false},"author":2,"featured_media":6541,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[4,12,28,107],"tags":[244],"class_list":["post-6535","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bankruptcy","category-chapter-7","category-filing-bankruptcy","category-filing-process","tag-bankruptcy-and-marriage"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.7 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Things to Avoid Before Bankruptcy: Item 5 - Getting Married - Better Call Dave - Bankrupt MN Blog<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/mn-bankruptcy.com\/blog\/things-to-avoid-before-bankruptcy-item-5-getting-married\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Things to Avoid Before Bankruptcy: Item 5 - Getting Married - Better Call Dave - Bankrupt MN Blog\" \/>\n<meta property=\"og:description\" content=\"By David J. Kelly, Minnesota Bankruptcy Attorney Eligibility for bankruptcy is based primarily on household income. How that is calculated might surprise you. If you are contemplating bankruptcy and marriage, in most situations it would be best to do the bankruptcy first. Get things cleaned up before you start your new life. 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Sometimes that seems like a long time, and other days I feel as if I just started. These days my practice is devoted entirely to counseling folks concerning their financial problems and representing them in Chapter 7 and Chapter 13 bankruptcy. One thing I don't do is credit repair. When asked about matters concerning credit scores, I like to say \\\"I'm a very good source of unreliable information about that.\\\" What I mean is that I hear a lot about it from my clients who often report back to me how they are doing after their bankruptcy is completed, sometimes even years later; but having heard some stories from a few people doesn't qualify me to give any advice. I spend a lot of time with my clients. I want to be sure we get it right. There are civil and criminal penalties for concealing or providing incorrect information in a bankruptcy care, and my goal is to keep myself and my clients as far away from problems like that as possible. You can find me in MInnetonka near I-394 and Hopkins crossroad. It's ten or fifteen minutes from downtown Minneapolis. You can see parts of Plymouth, Minnesota, Golden Valley, Minnesota and St. Louis Park, Minnesota from the high ground in front of my building. 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