How can I be held responsible for debts that the man I live with already had?
The man I live with, has several loans, which he is filing bankruptcy on. We are not married and never have been. Some of the loans he had before we got together and some he incurred after we got together, however I have never signed my name on any of them and to my knowledge my name isn't on any loan at the bank, to whom he owes the loan to. The bank, however, has served me with the same set of papers as they served him, foreclosure, etc. His lawyer told him today that I am going to be held responsible also. To top it off, some of the debts are ones his ex-wife made years ago.
You cannot be held liable for the debts of others unless you are somehow involved (by title, by being on the loan). If these debts are personal debts and not connected to you, you need to immediately hire an attorney to protect yourself. Clearly the person you live with knows he is being sued, and has filed bankruptcy. Further, the bank may be serving you because it thinks somehow you are responsible or involved -- so check to see how and why. The lawsuit will explain how it deems you as the appropriate respondent.
If you can, try to get this dismissed quickly. If your lawyer determines you indeed were properly named, then the tactic switches to how to get you out of it as soon and for as little money as possible.