I know you are bummed
But if you really want a chapter 7....are you under median income? then let the truck go... wipe out all your debts and get another one later on...'I know in some places you can use exemptions, You don't owe on the truck right so it is all equity?? if you only owe 20k on everything else, sell the truck and pay the debts then you would not have to file bankriptcy....so that is one option, the other is if you are under the median income then you could let the truck go, or could you get a loan against the truck and then file in 6 months time?? then you could reaffirm the loan to keep the truck...... and wipe all the debt........ the 3rd is a 13.... think about all your options and write down the pros and cons...... but you are NOT going to jail.
Good luck B
But if you really want a chapter 7....are you under median income? then let the truck go... wipe out all your debts and get another one later on...'I know in some places you can use exemptions, You don't owe on the truck right so it is all equity?? if you only owe 20k on everything else, sell the truck and pay the debts then you would not have to file bankriptcy....so that is one option, the other is if you are under the median income then you could let the truck go, or could you get a loan against the truck and then file in 6 months time?? then you could reaffirm the loan to keep the truck...... and wipe all the debt........ the 3rd is a 13.... think about all your options and write down the pros and cons...... but you are NOT going to jail.
Good luck B
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