Can I still file chapter 7 if one of my cars has been wrecked and insurance won't cover it? 9 Answers as of December 14, 2015

I want to file chapter 7, one of my car that has been wrecked still drivable and all it was a weather condition accident wrecked into side beams, insurance couldn't cover it due to it being in liability. Would I still be able to file bankruptcy with Chapter 7.

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Ronald K. Nims LLC | Ronald K. Nims
Both your liability to anyone hurt in the accident and your liability on the car loan are discharged in bankruptcy. Unless you were driving drunk or high. Any fine from a court as punishment for violating a traffic law isn't dischargeable.
Answer Applies to: Ohio
Replied: 12/14/2015
Janet A. Lawson Bankruptcy Attorney
Janet A. Lawson Bankruptcy Attorney | Janet Lawson
Yes, you can do that. You can "surrender" the car and wait years and years for them to come pick it up, (which they probably will never do). Your problem will be trying to get rid of it later since you don't have a pink slip.
Answer Applies to: California
Replied: 12/7/2015
Goldsmith & Guymon
Goldsmith & Guymon | Marjorie Guymon
You can file chapter 7 but you cannot discharge a secured debt on the car.
Answer Applies to: Nevada
Replied: 12/3/2015
GARCIA & GONZALES, P.C. | Richard N. Gonzales
Answer Applies to: Colorado
Replied: 12/3/2015
Rhymer Law Firm
Rhymer Law Firm | William Rhymer
If you otherwise are eligible for a Chapter 7, you can still discharge the debt if the creditor does not object for failure to protect them with insurance. If you wait for the debt to go to a collection agency you greatly improve your chances the creditor will not object to the discharge.
Answer Applies to: Georgia
Replied: 12/3/2015
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