Yes you can.

But in a chapter 7, they will survive the bankruptcy.

It’s still your car.

I had a potential client email me this question last week, and it’s complicated.

If you have the credit, income, and assets to get some kind of consolidation loan instead of filing bankruptcy, then it’s going to be much, much better for your credit.

It depends.

If you are represented by counsel, let him take care of it.

It’s going to make it really, really hard.

When you file bankruptcy, your credit takes a hit (or goes up if it was already bad enough).

Short Answer:

It is a form you have to fill out after you file bankruptcy but before you meet with the bk trustee at the 341 Meeting of Creditors.

It depends on whether you file a chapter 7 or a chapter 13.

In a chapter 7, about 3 months.

In a chapter 13, anywhere from 3 years to 5 years after you file.

Chapter 7

Day 1… file the case and get a case number.

Day 30 -40… 341 Meeting of Creditors.

Day 90…Last day for creditors to object to your bk discharge

Day 91… Discharge (so long as you’ve taken the second bk class).

Chapter 13

Same timing, except that you will not receive your discharge until the end of you plan.