My question involves bankruptcy in the state of: pennsylvania.
My husband and I both have bad debt. We do not have any debts together since most of are bad credit is from before we met. There is a situation with my husband that we're trying to get some information on. He was married once before me and owned a home with his ex wife. He moved out of the house in 2005 and has not made any payments towards it since then. He is still listed on the deed and the mortgage loan and the loan is current and in good standing. With that being said, we'd like to file joint bankrupcty and have this account removed from his credit report. He wants off this account and she doesn't qualify for a refi on her own. The whole reason we want to file bankruptcy is so that way we can start over and take the steps we need to take to establish good credit again and obtain our own mortgage loan. We were told by a mortgage specialist that even if we both had good credit we can not qualify for a loan with him already having a mortgage loan, regardless of if he lives there or not. So my question when we file bankruptcy can we 1)file jointly even though none of our bad debt is jointly owned together, 2)can he include his mortgage loan on the bankruptcy even though it's current and in good standing, and 3)if he can include it will the bankruptcy remove him from the mortgage account? Any info would be greatly appreciated!

