What is the name of your state? OR
We bought a new car in August 2005, then in September 2005 my wife lost her job, after missing one pay check we fell behind very fast and so filed BK Ch 13 in October under the old rules.
We decided to let the new car go back and told both our attorney and referee this. The car was listed as a debt, but not inculded in our plan.
About a month after filed we received a notice to sign so that we would voluntarily surrender the car. We signed it a sent it back. We started calling the recovery company every week for months to pick up the car because we wanted to get rid of it and save the $60 per month insurance we were paying. But they never picked it up.
We got a notice in June 2006 that the finance company asked that they be inculded in the plan, which would have been sweet, but the referee refused it.
When we get our statements from the refree each quarter it shows the car as part of the plan but no disbursements to them. My credit report also shows the car in our Ch 13 plan.
I asked my attornery about this and his is not sure what is going to happen at the end of the plan - do I return the car or is it mine, free and clear. He is a family law guy who got in on the big demand for BK filing in 2005.
Can someone give me their best guess what the likely outcome will be at end of plan?
We bought a new car in August 2005, then in September 2005 my wife lost her job, after missing one pay check we fell behind very fast and so filed BK Ch 13 in October under the old rules.
We decided to let the new car go back and told both our attorney and referee this. The car was listed as a debt, but not inculded in our plan.
About a month after filed we received a notice to sign so that we would voluntarily surrender the car. We signed it a sent it back. We started calling the recovery company every week for months to pick up the car because we wanted to get rid of it and save the $60 per month insurance we were paying. But they never picked it up.
We got a notice in June 2006 that the finance company asked that they be inculded in the plan, which would have been sweet, but the referee refused it.
When we get our statements from the refree each quarter it shows the car as part of the plan but no disbursements to them. My credit report also shows the car in our Ch 13 plan.
I asked my attornery about this and his is not sure what is going to happen at the end of the plan - do I return the car or is it mine, free and clear. He is a family law guy who got in on the big demand for BK filing in 2005.
Can someone give me their best guess what the likely outcome will be at end of plan?