Just because u declare bankruptcy does not get you out of debt owed, any credit needed after the marriage will come to rest on her shoulders, as he filed BKRTCY, history erased another red flag..plus we get stuck with the bills other people walk away from. That home in the suburbs may not come about for many years to come, buying a car--she had better have deep pockets or a great job and a pre-nup.
If a good income following a "useful" education; then student loans can be paid off--irresponsible purchases of wants over needs, late payments, collectors; then an issue..
not correct.
If he is filing a chapter 7, and he should not if he has less than 10,000 in debt, then he will be done in six months and have only nondischargable debt like student loans. (he does not sould like the student type)a
Within 10-18 months, if he is responsible, his credit will jump up be at least 100 points to be over or darn near 600. Of course it could even be better. He will get legit credit card offers because he will not be able to file again for ch 7 for eight years. (four for a 13)
Filing before the marriage is to keep the means test below the threshold amount to force a ch 13. BTW the entire 2005 reform continues to be a joke.
I would advise her, unless children with him are involved, to move on.