Pittsburg, TX Bankruptcy Law Firms & Lawyers

You under an obligation to review your bankruptcy petition and ensure that all creditors are listed. It is not your attorneys fault that your car lease was not included. That being said, you must file a motion to reopen your case if it has been closed, file an amendment to the bankruptcy petition adding your car lender, and filing motion to assume the lease. This may or may not work considering there is a deadline within which you must assume or reject your leases. My office would charge $2500 for the service. You may be better off to simply continue to pay your lease payments and if the car company attempts to repossess you can sue in state court since you're not in default of the agreement.

In California, most mortgages are resolved by non-judicial foreclosure (sale of the property at auction). By taking that action, the lender does not have a deficiency claim against a co-signer. However, if there was a junior lien (2nd or 3rd) that was eliminated in a foreclosure, they could sue the co-signer. The co-signer should see an attorney so that the facts of this particular matter can be analyzed.

Assuming your name isn't on the deed to the house, you would list the loan as an unsecured, nonpriority creditor on schedule F. If the loan has been transferred, the transfer should be recorded at the county records office. If the transfer hasn't been recorded, then just list the original lender.