
Originally Posted by
rhodesbud
Well, I already ruined my perfect credit with filing bankruptcy this past year and my home will be auctioned on May 26th. I just can not afford to make these payments they want and they do not want to meet me 1/2 way on this. If I did default, could I later hire an attorney to clean up my credit file and repair it then?
A few things. If you were eligible to file bankruptcy, then you didn't have "perfect credit." People file bankruptcy when they have accumulated debt and are unable to pay for it. So the unpaid debt was already being reflected on your credit long before you filed for bankruptcy.
You don't need an attorney to clean up your credit report. You can ask that the negative reports be removed, but the company who reported has to be willing to remove them.
If you default on your student loans, they can garnish anything with your name on it, as has already been pointed out to you. Checking accounts, savings accounts, joint tax returns, etc. Just because you weren't married when you incurred the debt doesn't mean anything with your husband's name is exempt.