It would seem that only your pre filing taxes would have been subject to the bankruptcy anyway - that is the 2005 one, so 2006 (post filing) should be most certainly clear too.
The answer depends on who the creditor is and the status of the debt. If the debt was a student loan or other non-dischargable debt, then your tax refund can be taken. If the debt WAS discharged, ANY collection action of any kind on a discharged debt is a violation of the permanent injunction of the discharge and therefore illegal. If the creditor was not included on the creditor matrix, then informing them of the bankruptcy and discharge of the debt may be all that is necessary to have the refund returned to you. In other cases it may be necessary to file a Motion for Contempt against the creditor in bankruptcy court. This would require the re-opening of the bankruptcy.
Because when you took out the loan you agreed to repay the entire amount, the interest and any amount the lender had to spend on collection on the loan (late charges, reposession fees, auction fees, etc). Just because you gave the car back doesn't mean you don't owe the money. Find out what car dealers don't want you to know at www.dealertricks.com If the lender took the car, and sold it at auction, file bankruptcy. The remaining loan amount will be discharged through the court. I know someone this happened to. They returned the car, filed bankruptcy and the loan was discharged. No money owed. When their situation changed, they bought a new SUV a year later. They are paying a higher interest rate though,
If you didnt reinstate the loan, you SHOULD return it promptly or call them to come get it.It will be cheaper on you to return it. The lender will sit on it until they get ready to come get it so they can add late fees ,ect. to your bill.
Garnished funds will NOT be returned to you. If it was a significant amount, the bk Trustee can claw back that money and use it to pay your creditors. Otherwise, that money is gone.
If the lender is willing to reaffirm the loan with the borrower then the vehicle can be returned. A vehicle is a secured debt and is not subject to chapter 7 bankruptcy laws.
Because the house has been returned to the lender. It is not "yours" in any sense and you have not arranged to reclaim the house by making payments.
I presume that you purchased the vehicle and sometime after that you filed the Chapter 7 Bankruptcy. If that is the case and you included the Finance company on your list of included creditors, then the discharge does just that. It discharges the debt forever and you do not have to pay any difference. Yes, as this is usually one of the terms of the contract.
if its simple interest: I = prt = 240 the total money to be returned is 2240
Yes. When you reaffirm you agree to continue the debt and it is removed from the bankruptcy estate. Also, the debt in this case is post-peition.. as in it came about after the date of filing.
Interest, late fee, returned check charge...
He may have just lost interest if you have not returned or offered any interest in him or found a new interest. He could also just be busy and have no time to call you lately or is waiting for you to contact him.
Absolutely. Any creditor action including repossession cannot be taken after the filing of a BK and/or before the BK is completed and discharged. The vehicle will have to be returned to the borrower to await action by the lender such as requesting the BK stay be lifted or a reaffirmation agreement made between the lender and borrower.