Surrendering Vehicle after Chapter 7 Bankrutpcy filed
If you decide to surrender a vehicle or home after filing your Chapter 7 case then you need to provide signed statement of surrender to your attorneys office. This must be done before your discharge is issued so this secured debt can be discharged in your Chapter 7 and not reaffirmed.
Your attorney will file an amended statement of intentions with the court. The automatic stay will remain in place for 30 days then the auto creditor can recover the vehicle without further consent of the court. However, you can contact the creditor before the 30 days and make arrangements to surrender the vehicle voluntary. You can deliver the vehicle back to the creditor and/or dealership or you can make arrangements for the creditor to pick up the vehicle.
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