Pay Day Loans and Bankruptcy
I have multiple payday loans out that are defaulted. I recently spent 30 days in an inpatient treatment for compulsive gambling addiction. I lost my job as a consequence of my gambling, so I am unemployed. I am also not eligible for unemployment even though it is considered a medical condition. I am married, however my husband was totally unaware of these loans until I went into treatment. They were in my name only. They were to be deducted from a bank account that was also only in my name and is now closed. I am considering filing bankruptcy and wondering a couple of things. Can I file without my husband being on the bankruptcy? Can I file on payday loans? There was never any checks written, it was all on line. Also there was a cash advance from my bank that is still unpaid. Can I list that also when I file bankruptcy? Thank you for your help.