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I have been discharged from bankruptcy for 3 years now. My boyfriend has a mortgage already and would like to consolidate all of his debts including the mortgage. Will adding my name to the mortgage hurt him?

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Barton Goth GCO Bankruptcy Trustees said...

It sounds as if you are in a position we refer to as creditor proof. Meaning that due to low income and nominal assets there is nothing that can be done by your creditors, outside of harassing phone calls, to force payment. For instance, even if they went to court to obtain judgment, they would hold a judgement that would largely be un-enforcable as a result of your financial position.