I'm curious about something.. I'm in the second year of a Ch 13, I'm not
having any troubles making payments in the 13, but would be nice to have
some spending money to buy clothes.. Current ones are almost falling apart.

On a what if basis.. I haven't done it yet.. What would happen to my car if
I filed a ch 7 conversion from a 13. Would the car be repo'd. I was 3
months behind on the car payment when I filed. If I affirmed the car, would
I have to make those payments up and pay the monthly on top of that.. ??

Any advise is appreciated. I'm in Arizona.

Sharon

You should check and see if the car lender has already been caught up
through the bankruptcy--priority creditors are paid first, then secured
arrearages, and only then general unsecured. If it's been caught up, and
there is no non-exempt equity, you would probably be able to convert and
keep the car.

Check with your attorney for more details.

--

Brett

************************************************** ***************
* Personal Injury/Malpractice Bankruptcy *
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* BRETT WEISS, P.C. *
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* Small Business Estates & Estate Planning *
************************************************** ***************

The Small Print: This response is for discussion purposes only. It isn't
meant to be legal advice and you shouldn't treat it as such. If you want
legal advice, speak with a local lawyer familiar with your state's laws who
can review *all* of the facts and the law applicable to your situation.
************************************************** ***************

"NoSpam" <NoSpamHere@blah.com> wrote in message
news:OG6Lb.427241$J77.344489@fed1read07... I'm curious about something.. I'm in the second year of a Ch 13, I'm not having any troubles making payments in the 13, but would be nice to have some spending money to buy clothes.. Current ones are almost falling
apart. On a what if basis.. I haven't done it yet.. What would happen to my car
if I filed a ch 7 conversion from a 13. Would the car be repo'd. I was 3 months behind on the car payment when I filed. If I affirmed the car,
would I have to make those payments up and pay the monthly on top of that.. ?? Any advise is appreciated. I'm in Arizona. Sharon