Fort Meade, FL Bankruptcy Law Firms & Lawyers

Your wife's mother does not own the car - you do. The title is in your name. It does not sound like you perfected title or properly executed paperwork to make the debt owed to your mother-in-law a secured debt. If you have not started making payments to your mother-in-law on the car, DO NOT START NOW. DO NOT TRANSFER TITLE INTO HER NAME! There is a very good chance the car can be exempted - depending on how much in non-exempt assets you have. After you get the discharge, you can choose to repay your mother-in-law. But you CANNOT pay her during the course of your bankruptcy. It's only 3-4 months and the consequences of not showing this patience can include the car being taken - so be patient. Sit down with a lawyer and discuss in detail your assets and the exemptions available to you.

If you want to file another Chapter 7, the waiting period would be 8 years from he date your prior case was filed. So for example, of your prior case was filed March 1, 2005, you could file another Chapter 7 on March 1, 2013. You could file a Chapter 13 now. The waiting period between filing a Chapter 7 and Chapter 13 is 4 years.

The caes is not closed until the judge enters the order closing the case. Any movement of assets (including sale of the house) must be approved by the judge until the case is closed.