Last week I was in Dallas speaking at a credit event and a frantic woman cornered me after one of my sessions and asked me the following series of questions:“My spouse is going to file for bankruptcy. We have joint accounts including credit cards and a car loan. What happens to our joint accounts if my spouse files for Chapter 7 Bankruptcy? How will that impact my credit reports and scores?”Where Bankruptcy Shows Up On Your Credit ReportThe decision to file bankruptcy is no doubt a difficult one. Not only does it leave your unprotected bank accounts at risk of being drained by creditors, but it’s also like rolling a hand grenade into your credit reports.A bankruptcy shows up on your credit report in two distinct places; the public records’ section and the “trade” section, where all of your credit accounts are listed.In the public records section the filing information will be listed. This includes the type of bankruptcy (Chapter 7 or Chapter 13), the date it was filed, and whether it was a joint or individual bankruptcy.In the trade section every debt that’s included in the bankruptcy will be listed as such, “Account included in bankruptcy.”Chapter 7 bankruptcies liquidate all statutorily dischargeable debts. They remain on your credit reports for 10 years from the filing date.Chapter 13 bankruptcies are for people who can afford to make some payment to satisfy their debts. After a few years of making payments to a trustee your debts will be discharged.13s remain on credit reports for 7 years from the discharge date, but not to exceed 10 years.The Bad NewsIf you have a joint debt with a spouse and that spouse decides to file for bankruptcy you are going to be unwillingly dragged into the mess, and not in a good way.Just because your spouse has discharged his debts doesn’t mean that the debt disappears. When you decided to become jointly liable for the debt you made a commitment to act as a liable party, which is why I don’t recommend co-signing for anything for anyone.When your spouse files for bankruptcy protection from his creditors they will no longer be legally allowed to attempt to collect the debt…from him.If they do continue to send bills, call him asking for payment or worse, hire a collection agency to collect the debt, then they’re likely violating the rules set forth by the U.S Bankruptcy code.They will, however, be able to continue to pursue you for payment of the debts. If your husband filed an individual bankruptcy the legal protection from creditors only applies to him, not to you.Your creditors, and yes they are your creditors as well, will undoubtedly continue to pursue you for payment on the debt. This can include negative credit reporting and aggressive collection activities.The Good NewsYour husband’s bankruptcy will not appear on your credit report. That’s the good news.That means the debts will also not be listed as being included in a bankruptcy. You’ll be able to protect your credit reports and credit scores but only if you choose to continue to make payments on the debts.If you stop making the payments, then it’s really no different than if they were your individual or “sole” debts. Late payments will begin to accrue, your credit scores will plummet, and the collectors will start hounding you for payments.In fact, you might be forced into bankruptcy as well. I always tell people that a bankruptcy isn’t always the worst option, but it should probably be your last.John Ulzheimer is the President of Consumer Education at SmartCredit.com, the credit blogger for Mint.com, and a contributor for the National Foundation for Credit Counseling. He is an expert on credit reporting, credit scoring and identity theft. Formerly of FICO, Equifax and Credit.com, John is the only recognized credit expert who actually comes from the credit industry. The opinions expressed in his articles are his and not of Mint.com or Intuit. Follow John on Twitter. Share this:Click to share on Twitter (Opens in new window)Click to share on Facebook (Opens in new window) RelatedWhich Credit Bureau Will Give Me the Best Report?March 17, 2014In “Credit Info”How to Get Rid of Closed Accounts on Credit ReportsJanuary 13, 2014In “Credit Info”4 Things That Won’t Show Up On Your Credit ReportSeptember 23, 2013In “Credit Info” Post navigation
A tractor-trailer driven by a Vancouver man spilled 34,000 pounds of hazardous material Thursday morning near The Dalles, Ore.Monte Harlbut, 27, was driving northbound on Steele Road in Wasco County when an oncoming commercial vehicle entered his lane, according to the Oregon State Patrol. Hurlbut drove toward the ditch on the right side of the road to avoid a collision and his tractor-trailer rolled down the embankment, dumping solid hazardous material, according to the State Patrol.The material is considered a marine pollutant, but it didn’t get into any waterways, OSP reported. A trucking company was removing the contaminant Thursday.Troopers are searching for the commercial vehicle that veered into the wrong lane, as well as anyone who witnessed the incident.
Windows 10 Keyboard Shortcuts to Save You Clicks 7 Settings to Change Right Away Next Tip »» Add a User (Child or Adult) 7 Settings to Change Right Away Uninstall Programs in Windows 10 Set Alarms Sync iPhone with Windows 10 All Windows 10 Tips Create a New Folder Add a Printer Sync Your Settings Across Devices Next How-to »» Change the Screen Resolution Change the Screen Resolution Add a Printer Windows 10 Keyboard Shortcuts to Save You Clicks Set Alarms Sync Your Settings Across Devices Control Windows 10 with Your Voice Windows 10 is prone to all sorts of issues, from the sudden disappearance of files to problems with installing updates. If your computer isn’t running the way it should, giving you strange errors or performing extremely slowly, Windows 10 makes it easy to start over. The operating system provides a number of options that let you restore your computer to an earlier state. Here’s how to reset your PC in Windows 10.How to Reset Your Windows 10 PCNavigate to Settings. You can get there by clicking the gear icon on the Start menu. 5 Ways to Take Screenshots Control Windows 10 with Your Voice Change the Screen Resolution Create a New Folder Avram Piltch, «« Previous Tip Select “Just remove my files” or “Remove files and clean the drive” if you chose to “remove everything” in the prior step. Cleaning the drive takes a lot longer but will make sure that, if you are giving the computer away, the next person will have a hard time recovering your erased files. If you are keeping the computer, choose “Just remove my files.” Select “Update & security” 5 Ways to Take Screenshots Windows 10 Keyboard Shortcuts to Save You Clicks 7 Settings to Change Right Away More Tips Uninstall Programs in Windows 10 Uninstall Programs in Windows 10 Click Get started under Reset this PC. Sync iPhone with Windows 10 Eliminate Blue Light With Night Light Sync iPhone with Windows 10 Control Windows 10 with Your Voice Windows 10 Tips Add a Printer Upgrade to Windows 10 From Windows 7 or 8 Change Your Password in Windows 10 Sync Your Settings Across Devices Add a User (Child or Adult) Change Your Password in Windows 10 Click either “Keep my files” or “Remove everything,” depending on whether you want to keep your data files intact. Either way, all of your settings will return to their defaults and apps will be uninstalled. Upgrade to Windows 10 From Windows 7 or 8 Enable or Disable Tablet Mode Windows 10 Tips Add a User (Child or Adult) Enable or Disable Tablet Mode 5 Ways to Take Screenshots Eliminate Blue Light With Night Light Click Next if Windows warns you that you won’t be able to roll back to a prior version of the OS. How to Reset a Windows 10 PCWhether you’re having serious problems with your computer or you just want to clear your settings and data out, you can take Windows 10 back to its factory settings.Volume 0%Press shift question mark to access a list of keyboard shortcutsKeyboard Shortcutsplay/pauseincrease volumedecrease volumeseek forwardsseek backwardstoggle captionstoggle fullscreenmute/unmuteseek to %SPACE↑↓→←cfm0-9接下来播放MacBook Air vs MacBook Pro: Which 13-inch MacBook Is Right For You?03:46 facebook twitter 发邮件 reddit 链接https://www.laptopmag.com/articles/reset-windows-10-pc?jwsource=cl已复制自动 1080p1080p720p406p270p180p正在加载广告直播00:0001:3401:34Your Recommended Playlist03:46MacBook Air vs MacBook Pro: Which 13-inch MacBook Is Right For You?02:01Apple’s Mac & iPad Pro Event: 5 Things You Need To Know01:30How to Use VLOOKUP in Excel01:30Best & Worst Laptop Brands 201901:32How to Turn Your Windows 10 PC into a Wireless Display01:25How to Freeze Rows in Excel关闭 Windows 10 Keyboard Shortcuts to Save You Clicks AdvertisementHopefully, you have fewer hiccups now that you know how to reset your Windows 10 PC. Still having issues with Windows 10? Our sister site, Tom’s Hardware has a team of staffers standing by in the forums to answer your questions 24/7.Now that you know how to reset your Windows 10 PC, check out our guide on how to open a port on Windows Firewall so you can whitelist programs from triggering your firewall. Click Recovery in the left pane. Windows presents you with three major options: Reset this PC, Go back to an earlier build and Advanced startup. Reset this PC is the best option for starting fresh. Advanced startup lets you boot off a recovery USB drive or disc and “Go to an earlier build” is made for Windows Insiders who want to roll back to a previous version of the OS. The current editor-in-chief of our sister site, Tom’s Hardware, Avram served as editorial director of Laptop from 2007 to 2018. With his technical knowledge and passion for testing, Avram programmed several of our real-world benchmarks, including the Laptop Battery Test. He holds a master’s degree in English from NYU. Enable or Disable Tablet Mode Eliminate Blue Light With Night Light by Taboolaby TaboolaSponsored LinksSponsored LinksPromoted LinksPromoted LinksYou May LikeVikings: Free Online GameIf you’re over 40 – this game is a must!Vikings: Free Online GameUndoKelley Blue Book5 Mid-engine Corvettes That Weren’tKelley Blue BookUndoCNN International for ANAWhy Tennis Pundits Are Tipping This WomanCNN International for ANAUndoVerizon WirelessThis new phone will blow your mind.Verizon WirelessUndoTODAYPolice Identify Girl Licking Ice Cream Tub In Viral VideoTODAYUndoMy Food and FamilyHealthy, Homemade Drunken Thai Noodles In Just 20 MinutesMy Food and FamilyUndoAdvertisement Click Reset when prompted.Windows will then restart and take several minutes to reset itself.Click Continue when prompted. Author Bio Get to the Desktop in Windows 10 All Windows 10 Tips Create a New Folder Get to the Desktop in Windows 10 5 Ways to Take Screenshots All Windows 10 Tips ✖ 7 Settings to Change Right Away Upgrade to Windows 10 From Windows 7 or 8 Change Your Password in Windows 10 Set Alarms Get to the Desktop in Windows 10 Avram Piltch, on