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My husband and I filed a chapter 7 Bankruptcy and had our 341 meeting yesterday. We live in Pennsylvania. As part of the chapter 7, we were planning on reaffirming our mortgage and 1 vehicle loan. Currently we are about 4 months behind on the auto loan. Today, the vehicle was repossessed. It is coming back tomorrow as the finance company went against the rules by not releasing it on the docket or notifying us of the repossession. Our issue is, we are now thinking of including the vehicle in the bankruptcy after all since we are already under water with it, and we have not yet signed a reaffirm notice. My question is, can we get a car loan during an open chapter 7, how should we go about doing so, and is there anything we need to do? I don’t want to jeopardize the bankruptcy while it is open. Help!!!

My husband past away last year, it was self inflicted so I thought I couldn’t claim on the life insurance from the auto loans, the second vehicle got repo’d about 6 months later. Now I find out from my bank that it was good since we had the loan longer then a year. So my car is getting paid off and I’m getting a refund of all the payments for the last 11 months. I am wondering if anyone know what can be done with the other bank Citi Financial to reverse the repo and maybe get the difference from the insurance company. But then I’m still out a ,000.00 paid off car. It only sold for ,000.00 at the auction thing, but on my credit it still shows ,000.00 being owed… PLEASE HELP!!!!

I am thinking about buying a car at an auto auction, and I know when you buy a car with a lien, you get a title from the DMV with my name and the lien holder’s name, but what if I want to sell the car at a later date? How do I transfer the title since it has both of our names on it?
Is there anyone that understands how buying a car at an auction with a lien works? I would really appreciate any help since the only person that answered obviously has no idea how it works. When you buy a car at auction with a lien you are not responsible for the lien, the only thing linking you to the lien is the title, there is ZERO chance you will have the car taken away or have any link to the debt. Thanks anyways, but please don’t comment unless you have an answer.
Here is a little bit of information, since no one on this answer has any idea what they are talking about, and I don’t want anyone looking at this to get their wrong information about liens at auction: "if you are the highest bidder, you get the auction papers to the car, when u go to the DMV you will register the car as your own, the title will come in the mail and show an existing lien on the car it says the banks name and your name yet, the person who originally requested the auto loan will have to pay for the car even if it is in your possession, so you are not responsible for paying the lien and no one has the authority to take that vehicle away from you as long as you bought it legally in a auction and keep copies of all the auction paper work cause one day you might need it."

My husband had stopped working and wasn’ t receiving Unemployment for 6 months due t denial, After he won his unemployment it took an additioal 20 to 30 days to start receiving unemployment checks, which his car had a prior repossession and two week after he received his first unemployment check his car was repossessed and car was sold.

and sell it at an auction, can they still come after me for the difference of what is owed and what was gotten at auction, even if I filed bankruptcy against them?

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