Answered on Feb 05th, 2014 at 9:20 AM
If you were a co-owner before you filed bankruptcy, you would still be a co-owner afterwards. Of course, you were supposed to disclose your half-interests in those assets in your bankruptcy papers. I assume you did. The mortgage and the car loan are promissory notes and your liability on those notes has been extinguished by your bankruptcy. Those promissory notes are secured by your home and car, and whether you reaffirmed those debts or not, the liens of the creditors against the deed on your home and the title for your car remain in place. Once those debts are paid, the creditors must release their liens against those assets but they would not alter the ownership. Therefore, they can't keep you from the home after it is paid off. If your husband defaults on either loan, however, he would lose the assets through foreclosure of the home or repossession of the car. If you claimed bankruptcy exemptions for your half-interest in either asset, then you would be entitled to half of any proceeds actually received by your husband, up to the amount of exemption you claimed for that asset. Of course, you might have to sue your husband to get your share in that scenario.