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dkennedy, Attorney
Category: Bankruptcy Law
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Experience:  15+ years experience
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we filed bankrupty a year ago the truck we have was included

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we filed bankrupty a year ago the truck we have was included in the br. we have continued with the payments up to date. my health has change to the worse
question can we still turn our truck bact in under br laws?
Submitted: 4 years ago.
Category: Bankruptcy Law
Expert:  dkennedy replied 4 years ago.



When you filed (I'm assuming a Ch 7) did you sign a re-affirmation agreement with the people where you bought the truck? Or, did you just keep making the payments on your own?

Customer: replied 4 years ago.
we just kept making payments on our own yes ch7
Customer: replied 4 years ago.
waiting for youe response
Expert:  dkennedy replied 4 years ago.

Of course, I don't have all the paperwork to review, but if you did not sign a new contract (reaffirmation) then you probably had the truck debt discharged and you are just paying and they are accepting. Which is fine, except you cannot do it any longer. Naturally, they will want the vehicle back, but if it had been discharged, there will be no deficiency judgment.

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