Late spring2004 I was divorced. I was primary on most of the accounts. The debt that was given to him, he was paying on. Then later that year file chapter 7 bankruptcy. One of the accounts started to have creditors calling me day in and day out. This began in fall 2004. 2005 didn't stop they pursued to call me even knowing I had an attorney. Until aug.2005. Calls completely stopped. Now feb.2006 it has begun all over again. I am a stay at home mother, now. I am getting remarried in the spring. If I file for bankruptcy will this affect my soon to be husband?

Well, not really. You are coming to the marriage with bad credit, period. So the important thing is to let him know that if you haven't already.

Now, as for bankruptcy, no, it will not affect him directly... and may even help.

If you bring heavy, unpayable debt to the marriage, then you both will suffer in the long run.

Filing bankruptcy before your union will be best - that is, if the debt is truly unpayable in a reasonable period.

He knows what's going on. My credit history with the exception of this is great I've never been late on anything. And loans that were made in my name are all paid off. It's 8k that's owed I just feel he slammed not only myself but his son.

Yes, divorce and debt can be a nasty combination. Have you asked him what he thinks, as to whether file BKY or gut it out and pay it?

You didn't say who's calling ,but if is a collection agency you can stop those calls with a simple declaration of intent letter where they have to tell you of their intentions and stop calling you. As you have no income how do you think they can collect.Hold off on the bankruptcy until you get legal advice from a good attorney and weigh your options,Now a days bad credit and no credit doesn't mean you can't buy a house or car or get a credit card even though the interest will be higher. Bankruptcy is not always the way to go.:cool:

It is a collections agency... always different ones. But for the same account.
I don't want to file for bankruptcy but with the plans of the wedding and now this I'm a bit stressed out. I never intended to have the account to be not paid. I'm upset for the fact that I paid the debt that was given as my resposibility. Thought I was in the clear... and I feel that the debt should truly be paid by my ex.

I'm not sure bankruptcy is your best option

As you say, its only $8,000 and you have excellent credit rating.

Are you in a position to get a job and pay it off (or are you currently working?).

Different collection agencies for the same debt,wow,you should be proud you get this much attention! Seriously it sounds as if they are trying to scare some money out of you,so forget them and get married and consult a good lawyer,not one that specializes in bankruptcy as you already know what he's going to say.I'd ignore them until I get papers from a court,which may be never.

So consult a lawyer... just not a bankruptcy lawyer?