Channing, TX Bankruptcy Law Firms & Lawyers

That is a toughie- have to beg the secured creditor now to give you a release of lien on the car title. If they refuse, drop the vehicle off at the creditor's parking lot with the keys. Probably too expensive to file a Motion to reopen your very old bankruptcy case and try to have the bankruptcy judge order for you to have a free title.

A chargeoff is merely a bookkeeping entry.  It has nothing to do with whether or not you still owe a debt, or whether the creditor can take collections actions on it. Student loans are generally not dischargeable in bankruptcy.   You can seek an "undue hardship" discharge of the student loans by filing a complaint in your bankruptcy case, but the criteria you need to prove for this is very difficult. There are also non-bankruptcy alternatives, such as doing income-based repayment plans, but you have to get your loans out of default first in order to take advantage of such programs. I suggest having a consultation with a bankruptcy attorney in your area who is experienced with student loan litigation, to evaluate your options more fully. Mark Markus has been practicing exclusively bankruptcy law in California since 1991.  He is a Certified Specialist in Bankruptcy Law by the State Bar of California Board of Legal Specialization,  AV-Rated by martindale.com, and A+ rated by the Better Business Bureau.  

You are required to file bankruptcy in the jurisdiction where you have lived the majority of the previous 180 days. If you are separated and live in different states you probably should file separately.