Monmouth Junction, NJ Bankruptcy Law Firms & Lawyers

Thanks for your question. Without more details, it is hard to provide a good answer. Did you incur this debt before filing for bankruptcy? If so, it is possible that they are violating the bankruptcy code by continuing to garnish your wages if they had notice of the bankruptcy. If you did not send them notice, however, they might be able to take action against you, such as garnishing your wages, however they typically should seek permission from the bankruptcy court first. If they didn't seek permission, but didn't have notice of your bankruptcy, then you may have a larger problem for not handling this creditor correctly under the bankruptcy code (you are required to include all of your creditors; if you don't, then that creditor might not be discharged at the end of your payment plan). If you incurred this debt after filing bankruptcy, that creditor probably isn't covered by your bankruptcy petition, though you should speak with an attorney about your particular situation in order to get a better determination.

There is no set amount, however, filing a bankruptcy which as its costs, must be looked at with a cost benefit analysis in mind, i.e. does it make business and economic sense.

You must go to the Secretary of State office and make application under the lost title provisions for titles to any of the vehicles that are considered to be titled vehicles. You would then be able to sell the vehicles and transfer title to the purchaser of the vehicles. You could then pay the costs of sale and your unpaid storage charges and then you would have to turn any excess over to the estate. Notices of sale would have to be given to any lien-holder on the vehicles and the person who stored the vehicles with you.