Married but live apart and filing for Chapter 7 Bankruptcy??

If you have no joint accounts or joint assets, then your bankruptcy will not affect your husband at all.  However, unless you are living apart and are legally separated, in a situation where only one spouse files, the income and expenses of the non-filing spouse is required so that the court, the trustee and creditors can evaluate the household's income.  This, however, in no way obligates your husband, either legally or financially.  Obviously, to the extent you have joint accounts or any joint assets not exempted by law, he will be affected.  Therefore, with respect to the car, he would have to take a part in the re-affirmation. As for filing a bankruptcy yourself. I'm going to provide you with a link to a site that will explain the basics and provide the forms:  http://www.uscourts.gov/bankruptcycourts.html Best of luck.