The fact that you have a repossession on your credit report is not a determining factor of whether your can file for bankruptcy. Generally in bankruptcy you can remove the debts from the repossession of your vehicle.
Filing bankruptcy does not remove a charge off report from a credit card on your credit report. It just adds bankruptcy to your credit report.
If there is a bankruptcy filing showing on your credit report and you did not actual file, you should dispute that information with the three credit bureaus. They will then investigate and remove the information if it is inaccurate.
You do not have to necessarily get credit counseling before you can file for bankruptcy.
The bankruptcy will appear on their credit if you include this card in your bankruptcy. If you leave the card off the bankruptcy, it will not effect their credit.
The judgment remains as a court record. The credit reporting agencies should report that it has been discharged in bankruptcy. If the bankruptcy remains on your credit report for more than 10 years, you can tell them to remove it.
The bankruptcy will remain on the credit report until the required ten years has expired. UPDATE: Actually, you can force Equifax, Experian and TransUnion to remove a Bankruptcy from your credit report and you can do it legally using a federal law that is in place. Credit Bureaus MUST have "verifiable proof" of the "bankruptcy" in their files if they are going to report the negative item on your report. The dirty little secret the credit bureaus don't want you to know is that they do not have any "verifiable proof" in their files for any of the negative items on your credit report. The Federal Court that the bankruptcy was filed in may have this information on file but the credit bureaus don't. If you request the credit bureau to provide you with the "verifiable proof" that they have in their files they will remove the negative from your file.
Thier actions, or lack, do not effect your ability to file for bankruptcy.
You have to, it is a debt...it is just a secured debt...by the lien on the property.
Bankruptcy should be removed after 6-7 years from discharge, if you have another bankruptcy within 6-7 years, it will take longer to remove or could be permanently on your file
File for bankruptcy and then try and start over. Your credit will be messed up though.
check Federal Bankruptcy act 801.3