It helps if you have some knowledge of laws and finance but you can take a course that will fill you in. A good legitimate course is offered at www.apus.org.
Absolutely. Happens all the time.
If it is not a secured debt it will be included in the bankruptcy discharge.
Any leftover debt from that car repossession can be put in your bankruptcy petition..so if you owed $12k and the bank sold it for $6k..then you can file bankruptcy on the remaining $6k.
If you file bankruptcy, you file bankruptcy on everything. You can not file bankruptcy on one loan.
The short answer is to get the case dismissed so it can be refiled.
Uneffected.
If you wreck your car after filing for Chapter 13 bankruptcy you can file it on your insurance. You can then replace your car based on the bankruptcy order.
No they never did file for bankruptcy
If you are talking about a Chapter 7 bankruptcy, It takes 7 to 9 years after you can file bankruptcy again.
They did not file for bankruptcy.
No, they did not file for bankruptcy.
No, both parties on a joint mortgage do not need to file bankruptcy. They can file a joint bankruptcy or a single bankruptcy.