Questions for filing bankruptcy
Hey all, I recently got served papers from a collection agency that says they’re suing me for $913.84 for a credit card that both me and my ex used, but was only under my name.
The credit card and debt are from 2020 and I had completely forgotten about it. Fast forward and I have just recently got married (May 22 was the date) and we’ve already had money issues. Right before we got married I had a stay in the hospital, without insurance (it had just lapsed between jobs). That is the majority of my debt, coupled with my cc debt it’s about or around 20,000.
I know that’s on the low end, but I have a low paying job (I work for a non for profit) and my wife doesn’t make much either. I’m thinking of filing for bankruptcy so my new wife and I don’t have this hanging over our heads. I have used ai and the web to look into this, but I’m feeling a bit intimidated and confused.
I guess what I’m asking is how did you go about researching this and finding a good lawyer etc? Anything someone who’s just starting this journey needs to know? Thanks in advance!