Rossville, GA Bankruptcy Law Firms & Lawyers

When you filed bankruptcy, it looks like you stated your intent was to reaffirm the debt owed on your car. Generally, what happens next is that creditor on the vehicle will send you a reaffirmation agreement to complete and return to them. It looks like either the creditor dropped the ball, or you failed to complete the paperwork and send it back to them. Once the creditor receives your reaffirmation agreement they will file it with the court and set a hearing date, if you did not have an attorney represent you in completing the agreement. You would then need to appear at the reaffirmation hearing and tell the judge whether this agreement is in your best interest. You mentioned there is a co-signor on this debt. If the co-signor did not file bankruptcy, they are still legally liable for that debt as their legal obligation has not been discharged. You need to continue making the payments on the car if you intend to keep it. Since you've already obtained your discharge, a reaffirmation agreement is likely a moot point and a non-issue. You need to work this out directly with the lender.

If the accident happened after the bankruptcy case was filed then no need to report anything. If the accident had happened before the case was filed then it should have been reported in the petition and exempted since your filed already knew she had a claim and she was required to report all claims in the petition. Whether or not you should reopen the case now or just inform the trustee of the details is something you need to discuss with your attorney.