Kick IT asked:


I’m in a sticky situation. My ex-husband and I (when were married) filed for Chapter 13. SInce the divorce, I pay half the bankruptcy payment and he the other half. At the time we filed, we included our car payments in the bankruptcy, so until our last bankruptcy payment(which will be in 2 years, the lien holder will still have the title to my car. Since I’m still paying in bankruptcy and the lien holder has my title, I have to pay full coverage insurance(state law-GA). Well my car is finally inoperable and I am paying cash for another. Well it is operable but I refuse to put MORE money into a piece of junk to get it fixed. How do I get out from under paying insurance and registration on the old one without a title? Can I turn the car back over to the lien holder with no further obligation? What are my options?

Patience-Redhorse asked:


we have a truck payment of approximately $700 a month and my husband is soon going to lose his job.We have tried refinancing but everybody turns us down. I know if the car gets repossed we will have to pay the remaining balance after it goes to auction

Tania Y asked:


We aren’t going to get our taxes back for 5 years, there no room for loans and credit? Can we make it in 13 and live, and save emegency or repairs?