I am married and enlisting in the Army. I lost my job and had a surgery in Jan. of this year, my husband also has debt and pays child-support which is current, but we have had a car repo and I, have medical bills, no credit card debt, but have misc. bills and NEED relief–is it in my best interest to try and file bankruptcy before I go "Active" or after I enlist? OR can my husband place the bankruptcy in his name and we handle the "joint petition" that way in case I can’t be available for court? Also, is it true that JAG can’t file the "joint petition"–and if not, if I decide to file once in the Army, do I just follow the protocol of a civilian, and if so, where do I go in the military to disclose that I’ve had to file–my commanding officer? I understand I will not receive a security clearance just due to bills being past due–but should we begin the process now or once I finish AIT?

Any help would be appreciated, thanks Soldiers…