KEYWORD "DISCHARGED"
A person immediately contact their lawyer to assist on issue.
about 4-5 months after filing chapter 7.
You do. You were in possession of the car. The car was registered to you. Until the car is sold, you are legally and financially responsible for it.
If the debt was discharged in the BK, no.
You may be referring to the discharge of debts in bankruptcy. Not all debts can be discharged. Most discharged debts are partially discharged in Chapter 11 and Chapter 13 actions. Debts or the portions thereof that are discharged no longer exist at law and creditors no longer can attempt collection. It is a "fresh start". You attorney can advise you as to which debts are likely to be discharged, which ones reorganized, and which debts will likely not be discharged.
Yes.
YES, make a serious offer. You do have leverage you can threaten them with Bankruptcy which means they get nothing, zero.Do not be afraid to use this or do it.. recovering from chapter 7 or 11 is much easier than it used to be.
You either pay or dont pay or file B/K also. If a co-borrower has debt discharged through bankruptcy, the other signatory is 100% liable for the balance of the loan.
The day you are discharged you can buy a car. You need to take proof that you are discharged.
if you filed chapter 13 and it was discharged in 2005 can you file chapter 7 in 2009
Yes
Unless it is a tax debt, none. Discharged debts are not income to the debtor.