San Antonio, FL Bankruptcy Law Firms & Lawyers

You have to pay a filing fee to the Court. Practices from court to court differ, but you then have to bring a motion to reopen the case and get permission to do whatever it was that was not done in order to get the discharge.

This is not really a Bankruptcy question, but a personal injury question. I practice in both areas. Your Personal Injury Law firm may not understand the "Made Whole" Doctrine. Ask them to research it. They should find that not all subrogation claims have to be paid. Your attorney should have a copy of the declarations page of the insurance contract so that he/she knows what coverage is there. Since $20,000 is below the required minimum coverage in Nebraska, which is $25,000 per injured party, I have doubts that this is "all" the insurance company can offer. Also, assuming this is a Nebraska case and that the car in which your daughter was a driver/passenger was a Nebraska vehicle, it would have underinsured motorist coverage. You should make a claim against that insurance policy as well.

It was a joint debts, even though was assigned to you as a result of the divorce, the joint creditor has a right to seek election against any party they can collect from, in this case it appears your wife is a easier target. Divorce judgment have to do with the rights between the two parties, not the parties and their creditors. If your wife is compelled to pay the Wells Fargo bill then it will be required by the court, under the judgment, that you reimburse her.