Elverta, CA Bankruptcy Law Firms & Lawyers

The car sounds like a "lemon." If you live in California, you should google "lemon law attorney" or a search along those lines and you should be able to find a firm focusing on that type of practice.

The debt should have been discharged. If there is a proof of claim filed in the chapter 13 (you or your attorney should be reviewing these as they come in) you can and should file an objection to the proof of claim. Caveat: Answers to questions online cannot replace actual legal advice or being represented by a lawyer in your case. There may be other undisclosed facts that could impact your results. A legal consultation with an attorney would involve disclosing quite a few other things about your financial activities and situation.

The court will sell valuable personal property that doesn't have an exemption. Most hoarders seem to have houses full of junk that has no value (often it has negative value, in that, you'd have to pay someone to haul the junk away, then disinfect the house). If she actually has items which can be sold for cash, the court will probably take those items. But just because something has value doesn't mean the trustee can readily sell it. For example, I had a bankruptcy client who owned a single gold and ruby inlaid teacup and saucer that appears to be from the pope's private dining service from around 1900. If she had, say, the complete set with the place settings for 150, serving bowls etc etc, an appraiser told me it would be worth millions; the single cup and saucer might be worth maybe $5,000 but the costs of authenticating it and selling it would be more than it's worth. The trustee only takes what can be converted to cash. So real estate, bank accounts, cars, those are things the trustee really wants. The hat John Wayne wore in Rio Bravo, not so much. And a collection of the local newspaper going back the 1961, not at all.