Are joint accounts required to be listed when filing for bankruptcy in Pennsylvania?

So you are planning to file for bankruptcy in the State of Pennsylvania? But before you actually do it, just take some time first to relax a little and try to contemplate if this is what you really need. Bankruptcy has serious benefits as well as serious implications. That’s why any decision involving the planning to declare bankruptcy must be given and thought about thoroughly.


The first thing you need to do when you finally decide that you are going to apply for a bankruptcy order is getting a bankruptcy lawyer. The lawyer will invaluably help you with your paper, your case and the overall proceeding of your petition.
The requirements of filing bankruptcy are the following: (1) schedules of assets and liabilities%3b (2) a schedule of current income and expenditures%3b (3) a schedule of executory contracts and unexpired leases%3b and (4) a statement of financial affair.
Since a joint account is part of the assets and responsibilities section, it follows through that it must be cited and mentioned on the list of requirements. In a joint account, you and your partner in ownership of the account are affected separately by bankruptcy. Failure to reveal the information about the existence of your joint account may result to bankruptcy fraud which may cause the dismissal of your petition. So in any case, try to include any joint account as much as possible to avoid this.
Remember, your early discharge will depend on how efficiently you comply with the rules and directives governing the laws. If you are on chapter 7, turn over the ownership of your property without making a fuss . If you used chapter 13 on the other hand, be sure to pay to your creditors on time. Be a responsible individual this time because who knows, this bankruptcy order might just be your starting point again after all.





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