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considering bk


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we have 2 homes only 1 i'm listed on the deed or mtg it's rental property haven't made any money on it because of bad rental market and i'm considering filing bk just me not my spouse would the creditor make me sell the rental property to satisfy the debt there is only around 20k in equity in the home and since it's jointly owned how would that effect the out come do i have to include the home? the payments are current and really have had no problems paying them its just the cc debt and loans that have been a problem for me.

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