I am filing BK chpt 7 and pretty mad about it. I am sending letters to the new D.C.regarding our feelings of the Bailout etc. and anywhere I can post. I think the Credit Bureaus need NEW RULES. IF my child had not died I would have maybe not missed work and gone under for afew months finanacially. OK...

if i just file surender the car, u think 45 days as in after discharge???

Once you file there will be an automatic stay issued. I am surrendering one of my cars - the attorney tells me that since originally I had intended to re-affirm, now we have to file a motion to surrender. I filed CH 7 BK on 9/30/2008. I am still in my automatic stay period, but it will be up shortly...

I hear they cannot take future income tax returns. My 341 meeting is Dec 30... before 2009begins,,, last day for creditors complains etc March 3 2009- how do I look for INCOME TAX filing? I will need that money for a cheapo car!

Im filing friday I owe on the car, but do NOT have money to buy another until income tax time in 2/3 mo... how soon will the loan co come get the car if I surrender it? Is it after discharge? or after they are notified I filed? or 2 mo after missed payments.. the loan is UTD right now.. I must know...