Father filed...causing problems for me...HELP!

[AngelinaCat]

iI can't get him or his attorney to understand that this IS hurting me and IS hindering me. I'm terrified that he's going to do something underhanded and have my car taken from me.

His creditor meeting is Tuesday and I have NO idea what to do. Help, please!

Honey, your Dad's attorney works for HIM, not YOU. Please understand this now, and I am truly not being mean. That is the way life is.

And it sucks at time, I know. Been there and done that, as they say.

[kristierenee]

Thanks so much for editing it for me. I'm so frantic right now that things are a bit jumbled! lol

[AngelinaCat]

Hi Kristie : I edited your post so that it might be a little better easier to read. Welcome to the forum, I am so sorry that your introduction had to come this way.

[kristierenee]

Hi everyone! My name is Kristie and I'm from Tennessee.

I found out almost two weeks ago that my father (who resides in Mississippi), whom I've been estranged from for 3 years, is filing chapter 7 bankruptcy. He is primary borrower on my car loan (it allowed for a better interest rate at the time).

Now, here's where things get complicated.

1. I wouldn't have found out about the filing if I hadn't tried to pay my car note online only to find out that it's now being serviced by an acquisition company that Capital One uses.

After paying for PACER, I found all court documents for the bankruptcy...including the creditor list with my name on it and my father's address listed for me.

I have never lived with him...in fact, I live 10 hours away, though he has my current address. This was obviously done in an effort to thwart me from finding out. This was further confirmed to me when his attorney advised me that HE gave her that address. Is it legal to knowingly list an incorrect address for a creditor on your bankruptcy? He had a correct address since he mailed me something in November of 2009.

2. I only owe $2400 on my car. I had a claim through insurance that I never cashed a check for that I intend to use to pay it off along with another months payment. His attorney is discouraging me from doing so because HE is over the limit on personal exemptions. She tried talking me into putting the car through redemption, however I felt uncomfortable and asked around only to find out that I would still be responsible for the entire balance of the car because I am listed as cosigner.

Because I called her out on this and my incorrect address on the creditor list, she's now angry at ME and telling me to have my attorney (which I wouldn't have thought I would need since I'M not filing) contact her.

This whole situation is compounded by the fact that IF I go ahead and pay off the car now, the acquisition company is telling me the title will be sent to HIS attorney. HE has never had possession of this car, nor does he have the registration or insurance on it...much less EVER made a payment. I feel like if he gets that title, I'm never going to get it because he's JUST that vengeful of a person (personal history leads me to this fear).

Does anyone have ANY direction for me here? I feel like I'M being punished and I'm not the one that filed.

I can't get him or his attorney to understand that this IS hurting me and IS hindering me. I'm terrified that he's going to do something underhanded and have my car taken from me.

His creditor meeting is Tuesday and I have NO idea what to do. Help, please!