Should I have included a repossesion?

[akcire]

I already filed on 10/12 and am looking to be discharged next week.
However, I have a feeling I should have included my car that got repossesed about 4 years ago.
Should I ? Do I still have a chance to go and add to my list?
I didnt' think I would have to since it was a repo.
My grandmother was a co-signer and just the other day she told me that they are still sending her a statement of $1700. I don't know why she is receiving that.
I can only think that maybe that was the balance up to the point to when it finally got repoed?
Is it possible to add that account number to my petition with that amount???

[bkfiler]

yes you can add anything up until the discharge. then you would have to reopen the case.

however, if you grandma is a co-signer i wonder what problems that would bring to her credit?

i wonder if co-signer debt just goes away or if it then is the responsibility of the co-signer to pay. wait for an answer here and we will see.

remember also that if you 'forget' to list a debt that in some states it would still be discharged under a chap 7 anyways since there is nothing to dissctribute and nothing to gain.

are you not getting any statements from them?

[akcire]

Thanks for the quick reply.
No, i am not getting statements. I haven't heard anything since it happened.

[FilingOnMyOwn]

You should have included it just to clear it off of your own credit. It's probably on your credit report and you would want that removed. I would print a copy of your notice of bankruptcy and send it to them. I myself wouldn't amend my filing over it which could possibly delay discharge, but that is up to you. Either way, your grandmother as a co-signer is still legally responsible for any amount you didn't pay, and yes I imagine the 1,700 is your missed payments prior to repo plus whatever else they could tack onto it. But 1,700$ is really not alot of money. If your grandmother needs to fix her credit and expects you to do so, you owe it to her to give her the 1,700 to clear her name of the debt. However, she may be at an age where she no longer needs good credit. Most retired folks that live on fixed incomes such as social security, pensions, savings and other accounts, don't rely on and never will start opening new credit cards, loans, etc that may require good credit. So its really between you and her whether or not to pay it. But you should at least send these people a copy of your bankruptcy notice, so it is at least removed from your credit report.

[StaciMM]

It is best to include it-you should include all debts.

They will still be able to come after the co-signer, though depending on your state, it may be beyond (or nearly beyond) the statute of limitations.

[tracy1878]

that balance could also be the difference between the amount you still owed on the car and the amount that they got when they auctioned off your car. I know I got hit with a 9,000 bill after i turned our van back into the bank.

yep, we listed it!