Q: I own a 17 year old car that’s worth about $3600 and I need to have $2000 worth of work done. Can I charge this?
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A:
Based on the information provided, here's a concise response to the question:
In Oregon, you may be able to charge the $2000 repair cost for your 17-year-old car worth $3600, but it depends on several factors:
1. Bankruptcy exemptions: Oregon allows you to exempt up to $3,000 in vehicle equity.
2. Current car loan: If you have an existing car loan, this affects your equity.
3. Chapter 7 vs. Chapter 13 bankruptcy: The type of bankruptcy you're filing affects your options.
4. Timing of repairs: When you plan to do the repairs matters.
5. Necessity of the vehicle: How essential the car is for your daily life is a consideration.
To make an informed decision, it's best to consult with a local bankruptcy attorney who can review your specific situation and advise you on the best course of action.
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