Yes, you can choose to include the car and the mobile home bill in the bankruptcy process if you want. In case you want to keep the car, note that Chapter 13 will propose to pay off the current loan balance or the retail value of your car over 3 to 5 years. If you have taken out your car loan in the last 30 months, you will be required to pay the full balance amount of the loan. If your loan is older than 30 months, you can pay on the retail value.
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Answered on 9:17 pm Feb 21st 2012
Holdsworth