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Unless a secured lender has received a "lift of stay" on a debt included in bankruptcy, they must wait until the BK has been discharged before they can repossess or begin legal procedures to retrieve a vehicle. A vehicle is considered a secured debt and is not dischargeable in a chapter 7. The borrower/debtor should contact the BK trustee and/or the lender to clear up the matter or he or she may face complicated litigation in the future. The title will still show a lien holder and the DMV will not issue a duplicate one until the lender signs the vehicle over to the borrower.

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โˆ™ 2006-01-09 17:58:53
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Q: If you filed Chapter 7 bankruptcy on a repossession balance and the bank never came to repossess the car and the debt was discharged can you get the title?
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Related Questions

What happens to the deficiency of a repossession after chapter 7 bankruptcy is discharged?

IF you list it on the B/K. it goes away, you dont owe it anymore.


Can you get your car back after a repossession if you file chapter 13 bankruptcy?

In GA Can you get your car back after a repossession if you file chapter 13 bankruptcy


If you filed chapter 13 bankruptcy and it was discharged can you file chapter 7 bankruptcy now?

Yes.


Can they repo your vehicle in an open chapter 13 bankruptcy?

No, this is not legal. When you filed the bankruptcy, you and your property are automatically protected under the "stay." The stay prevents any collections or repossession action for the duration of the bankruptcy, and will not be lifted until the BK is discharged or dismissed.


Can you amend a chapter 7 bankruptcy after its been discharged?

No


When you file chapter 7 bankruptcy and have a private student loan is it discharged with everything else?

Unfortunately no. Both private and federal student loans can not be discharged in Chapter 7 bankruptcy.


Can payday loans be discharged by filing a chapter 13 bankruptcy?

Yes, they can be discharged. A chapter 13 may not be the best way to go, however. You should consider a chapter 7, if you qualify. Consult a local bankruptcy lawyer.


You kept making car payments after discharged in chapter 7 if you stop paying and don't surrender the car can the lender go and undo your bankruptcy?

No. But, the vehicle will become a repossession if payments are not made.


Can you file chapter 7 again if you filed bankruptcy in 2001?

my chapter 7 bankruptcy discharged Jan 2002 when can i apply again


Is a car loan discharged under chapter 7 bankruptcy?

Whether your car loan is discharged by a bankruptcy or not will depend on your state and the equity in your car. Whether the loan will be discharged or not is called an "exemption".


Can you be sued after your chapter 13 is successfully discharged?

Not by creditors who agreed to participate in the chapter 13 bankruptcy.


Are all debts automatically discharge in chapter 7 bankruptcy for a bankruptcy that occurred in 1988?

If a debt was listed on a Bankruptcy that you filed and the Bankruptcy went through then that debt is permanently discharged with a Chapter 7.


Can you do chapter 7 after repo?

There is nothing about a repossession which prevents eligibility to file for bankruptcy.


How long will a dismissed bankruptcy stay on your credit?

:A bankruptcy under chapter 7 or 11, or a non-discharged or dismissed chapter 13 bankruptcy generally remains on your credit file for 10 years from the date filed. A discharged chapter 13 bankruptcy generally remains on your credit file for 7 years from the date filed.


If you filed a chapter 7 bankruptcy in mi and it is discharged how long do you have if you need to file an amendment?

If you filed a Chapter 7 bankruptcy in MI and it is discharged, you can amend whatever document you want at any time. It does not matter whether it is during the process of bankruptcy or after the discharge.


If you had a discharged chapter 7 bankruptcy 8 years ago can you convert your chapter 13 now?

Yes.


When can you file a chapter 7 bankruptcy if you had a chapter 7 discharged in December 2001?

The bankruptcy petitioner can file another chapter 7 8 years after the date of filing of a previous chapter 7.


Can you file chapter 13 on child support?

No. Child support is not discharged in bankruptcy.


Is a debt discharged if it was not listed on the schedule F on a no asset chapter 7 bankruptcy?

No


What does it mean for a bankruptcy to be discharged?

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.


How should an obligation that is discharged in a Chapter 7 Bankruptcy be reflected in a subsequent credit report?

The debt should be identified as being in bankruptcy or discharged in bankruptcy. It will remain on the list for 7 years. The bankruptcy will remain on the report for 10 years.


Can you get a rental lease for an apartment after the chapter 7 is discharged?

Sure. Just find an apartment that will allow a tenant with a discharged bankruptcy.


How soon after a chapter 7 bankruptcy can you buy a car?

The day you are discharged you can buy a car. You need to take proof that you are discharged.


After a Chapter 7 bankruptcy can a previous lender attach a lien to a new property purchased?

Not if the debt was officially discharged in the bankruptcy.


Can a medicail bill for a veterains hospitail be charged off in chapter 7 bankruptcy?

Medical bills can be discharged through a bankruptcy.