As long as you put "redeem" or "reaffirm" on the statement of intentions, your lender cannot repossess the car, even if you stop paying now. The automatic stay is in effect, and unless the lender files a motion for relief from the stay (which few do) they must wait until discharge....

If a redemption loan is out of the question, then yes, you should stop paying and surrender this car. There is no rational reason why anyone would agree to continue paying on this much negative equity, much less reaffirm it! Keep in mind that your odds of being approved for a redemption loan depend...

It sounds like your case is too complex, and the risk too great to attempt a pro-se filing. I would suggest NOT declaring bankruptcy until and unless you are able to afford hiring an attorney. You should consider selling off any personal property which will not be exempt, and using the proceeds to...

Of course they can. The automatic stay ended upon discharge, and the lender is free to enforce its lien on the collateral at that point. Remember that the ONLY recourse the lender has is to collect its collateral. They cannot attempt to collect any money from you, because the discharge injunction...

Whether or not the trustee repays the health insurance company out of the settlement proceeds, isn't the debt discharged with regard to the OP? In other words, if the trustee fails to reimburse the health insurer for the money spent on OP's medical expenses, doesn't the bankruptcy discharge prevent...

No, they cannot legally do this. Nor would they. After all, under Florida law, they have a lien on the condominium itself for their dues/assessments/fees/collection costs. That would be a problem if you wanted to keep the condominium, but you're looking to surrender it anyways, so the lien will be...

If you are truly collections-proof, then I fail to see how you benefit from communicating with creditors at all. Those creditors or JDBs who like to sue are not going to be dissuaded by a debtor's claim of being collections-proof. It is a numbers game to them, i.e. they know for every X number of...

If your ultimate endgame is to surrender the condominium via foreclosure, you do not need to continue paying the HOA at this point. The HOA enjoys special legal protection under Florida law, and has a statutory lien on the property to cover its monthly dues and other charges, but that's not your problem....

There is no way to predict which creditors will sue quickly, and which will write off your debts and sell them to junk debt buyers. Some, such as Discover have a reputation for suing everyone who defaults, and out of all my creditors they were the only one to sue, which forced me into bankruptcy. ...

Yes, for most people the 341 meeting is a piece of cake, really nothing but a formality. Mine only lasted for a few minutes. It took way longer to find parking and walk to the courthouse. Of course, the trustee already knew beforehand that I was living in a 440 square foot apartment, and did not...