First is if you qualify for C-7 and not a required payment plan C-13.
Basically, bankruptcy uses all your assets to pay all your debts.
The loan and deficit is a debt.
It was secured by the car, which is an asset (you no longer have). You probably have others.
You MUST include all of your debts and all of your assets in the filing. You do not and cannot pick and chose what is involved. All are given priorities, some of each may be exempt from seizure or discharge.
You really arent' thinking BK will eliminate the obligation to pay and let you keep things you want for free were you? (Yes, after usable assets are dissolved/sold, remaining debt may be discharged....the idea being you have a clean slate).
No, they cannot come after the purchases. They can object to the discharge if you ran up your credit card balance before filing, and the purchases or cash advances were not for necessities.
What is Legal to file Chapter 13 on ?
Yes, If you are trying to get the vehicle back you can file a Chapter 13. but you have a very short window typically 10 Days to get filed to have much success of getting the vehicle back. Or you may need to file if your window has passed to protect yourself from future liability. The lender will sell the vehicle and if there is a deficient balance will pursuse you for collection of the remaining balance.
You can file a chapter 13 bk, but NOT another chapter 7.
You can file bankruptcy again 7 years after the last time you filed.
You do not have to be unemployed to file bankruptcy.
If it is a no-asset chapter 7, and the company is listed as a creditor with a balance reasonably close to the actual balance as of the date of filing, the company has nothing to do other than taking the debt as a tax write-off.If it is an asset chapter 7 or a chapter 13, the company should file a proof of claim on the form required by the court withing the time period for filing POCs.
Divorce will not affect filing chapter 7. If the divorce is final, you will have to file separate chapter 7s. If the divorce is not final, or has not happened, you can file a joint chapter 7.
You can file again in 8 years. You can only file Chapter 7 once every 8 years. You could file a Chapter 13 or vice versa but not the same chapter.
You can file for Chapter 7 bankruptcy once every 8 years.
You can file for Chapter 7 bankruptcy once every 8 years.
A person can file chapter 7 after 8 years from a previous chapter 7. So the answer is NO.