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Hi and welcome to JA. I am Ray and will be the expert helping you today.
You have a couple of options.If the car is junk you can turn it in here and see if they sue for deficiency.She can also sue here where divorce was granted and seek judgment for the amount she lost on the vehicles.If the creditors get a deficiency judgment she may be looking at filing Chapter 7 here to discharge the judgments.Turning in the vehicle may be only option if car is not sellable as is. I am thinking a Chapter 7 for her may be necessary if they sue for deficiency.No easy choices here.
She has right to sue the ex here for what her losses are, she has to decide if he has anything to collect from if she gets such a judgment.Thats a possibility if she thinks he has assets to collect from.
These are the options as I see it here.She may have to turn in the car for what they will credit her and if they sue then she has to consider Chapter 7.I am so sorry she had this done to her by the ex.Her options are the ones I set out above.
Jay I do appreciate the chance to help you today.I wish both of you the best.
Chapter 7 reference..
Chapter 7 would allow her to discharge the debts and put it back on the ex as far as collection here.