Once every eight years.

The bankruptcy trustee steps into the shoes of the Debtor. This means the trustee can sue you for the money. Whether or not he or she does so will depend on whether the Debtor discloses the claim, which he or she must, and whether the trustee thinks he or she could prevail in a suit against you.

If there is a divorce petition filed, then a judge cannot divide assets and debts while there is a pending bankruptcy. You need to immediately notify the court handling the divorce and bankruptcy of the other proceedings happening. You also need to be consulting with an attorney on how to handle... View More

Without knowing your debts, no attorney can answer intelligently.

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Consult directly with a bankruptcy lawyer

You need to talk to a bankruptcy attorney, but you can most likely reopen and amend your petition to include that debt.

Crystal, normally your Chapter 13 plan would include your car repayment in some fashion. But typically your car lender needs to have filed a claim and that claim needs to have been paid, either by you or through your Chapter 13.

The car lender will normally retain a lien on the car... View More

Filing the 7 will stop all garnishments, but you need to hire an attorney to handle for you.

If your repayment plan is less than 100%, you need to tell your lawyer. If it is 100% repayment plan, you don’t have to tell anyone as it is immaterial.

Assuming the car was the only collateral for the loan (which is typically the case), you would list it on Schedule E/F.

It is not income for purposes of the means test but it is an asset that must be disclosed and listed on your petition. Since you’ve paid taxes on it already and taken a loss on it, it is not income but it still must be listed in your petition.

You’re going to need a copy of the contract you signed with them to get the right answer.

This is a question that may be a matter of local practice. You'll want to consult a bankruptcy attorney in your geographic area.

Where I practice, in Detroit, a non-filing spouse filing a tax return jointly with a filing Chapter 13 debtor will be allowed to retain their 50% of the... View More

Depends on the equity you have in the car and whether you want to keep paying for the car.

Yes

Not unless you are obligated on the debt with husband, then the answer is yes.

If it was repossessed in violation of the stay, you can get it back by filing a motion. If it was reaffirmed and approved, you will likely have to pay the arrearage owed to get the car back.

There is no such thing as "too late" under the bankruptcy code. Sometimes you will hear people use this terminology after a home has been foreclosed on or a vehicle repossessed because, at that point, it is too late for the bankruptcy stay to stop the secured creditor from taking the... View More

No. Although the loan may be discharged.

Not if you reaffirm the debt and pay it.

Likely yes, although if you have some available exemptions, you can protect the car and your father from that happening.