Actually, and FYI...the add in the paper stating that you are not longer responsible does not hold water in court if a collection company pursues you (in a community property state) UNLESS you have a legal separation or file for D...
If you file for D...you MUST serve the other person or it isn't "filed" which means you didn't go through with it and so nothing will happen.
You can file...and you can keep asking for an extension...I did this and extended my D for well over a year...before dismissing it.
But if I had to file and go through with a D to protect my family...I would do in it in a NY minute!
