Cisco, TX Bankruptcy Law Firms & Lawyers

The lender did not perfect the lien on the car. You must contact that lender and try to get the title from them. If you cannot get it that way, you can go to the county office where you get license plates and fill out a lost title form.

In my practice, I've found that most couples can buy a house at reasonable interest in two years after filing a Chapter 7. You'll need to reestablish your credit. That means you have to make your payments on time to a business that reports to the credit agencies. For example, you're renting an apartment or a house, you pay utilities but most landlords and utilities don't report to the credit agencies. Car loans and credit cards generally report, so if you have a car loan, you're rebuilding your credit just by making the payments. When you filed bankruptcy, you received a swarm of car loan and credit card offers - many of these are ripoffs but you should look at them and if there is a low limit credit card with a good interest rate (in your case consider 18% a good interest rate), then apply and make the payment every month.

You do not have to have your chapter 13 bankruptcy dismissed in order to get divorced. However, when you divorce you will need to address who pays what amount of the plan payment.