My husband is 65 and I am 55 and he has end stage liver disease and we have just had so many setbacks that we are under a load we can't get out of. We are lucky now to have a few dollars left after we pay what we can and we haven't had a car since about October of last year. We just need help and I... Read more »
You may be able to file either a Chapter 7 or Chapter 13 Bankruptcy case. The fact that you still owe on a house and vehicle play a part in that determination but it will also depend on whether how much equity you have in these items and if you are current on them. Please call a Bankruptcy attorney...Read more »
I make to much according to means test to file CH 7, but at the bottom it has the section to look at your disposable vs unsecured x .25. My quarter is much higher than my disposable. Also, i did not include my student loans anywhere in this calculation, should I?
If you have an attorney, contact them so they can contact the Trustee. If you filed yourself, contact the Trustee and see if your case has paid out. After a case has paid out, you will need to file a 1328 certificate and make sure your 2nd credit counseling course has been filed.
If you filed a Chapter 7 and DID NOT sign a reaffirmation agreement, then you should be able to return the car.
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