just finished paying my attourney, filing in like 2 weeks still have QUESTIONS

[help me 07]

hello everyone

im so happy i paid off my att now im ready for ...i think.

alright i have a couple questions, i just finish paying my att. for bk.

i have a car from a bhph dealer so it doesnt show up on the credit report,
i want to keep the car should i put it in the bk as debt? im not sure what to do. i have being paying on time for this car. since its my only transportation to get around.

the reason i ask is b/c the att will pull up a credit report and i know its not on there.

all my debt went to collections so will my debt gets discharge will the orginal company (chase bank, best buy etc....) be notify ?

im worried about the means test, im from indiana, i make 9.00/hr so im hoping i will pass , and i get laid off every so often?

thanks for all the help
this site has help my alot thank you

[HHM]

ALL debts get listed in your BK. Its a requirement; so yes, you must notify your attorney of this car loan. If he is smart, he, or his questionnaire will ask if you have a loan against any vehicle you own.

All unsecured debt gets discharged in a chap. 7, you should list the original creditor and all known collections agencies if possible.

[pa308]

hello everyone


all my debt went to collections so will my debt gets discharge will the orginal company (chase bank, best buy etc....) be notify ?

im worried about the means test, im from indiana, i make 9.00/hr so im hoping i will pass , and i get laid off every so often?

Yes even the debt in collections get discharged. Be sure to list original creditor as well as the collector in the petition.

I'm not sure what the median is indian, but at 9 an hour I would think you would be under. Looks like its about 40k. good luck

[magyar123]

Yes you should list the car loan. If a really nosy trustee examines your bank statements he/she will see that payment.