The majority of the debt that my husband and I have are in MY name although we have 2 car loans in OUR name. If I file alone, what will happen to these 2 car loans? Can we reaffirm the debt? Also, if we decide to put those 2 cars into the bankruptcy and file together, what will happen to the cars and how can we find means of transportation after a bankruptcy that won’t cost us an arm and a leg?
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{ 2 comments… read them below or add one }
if you are behind in the car payments and you are not upside down in the cars the you will need to file a 13 and put the payments in the plan you will keep the cars and continue paying for them through the plan. On the other hand if you are not behind you can file a 7 reaffirm the debt and you keep the cars and continue to make the payments.
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