My spouse is filing bankruptcy in CO. We have 2 joint auto loans that we are going to reaffirm and keep paying?
Will this filing negatively impact my credit because of these two joint accounts even though we are going to continue to make payments?
No it will not. I went through this back in 2001 and the thing you must do is call your lenders and make sure that they continue to report your payments to the credit bureaus. Otherwise the accounts will both show as included in bankruptcy even with the reaffirmation agreement. I found this out the hard way when I pulled my credit 6-months after the discharge and there were no payments shown. A simple phone call cured it.
It wont affect you in anyway unless you stop making payments.
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