Filing For Bankruptcy

Leticia S asked:


Okay so i have made the decision to file bankrupsy, Yes im 23 and Never paid my bills late and now with a baby i had to see what was my priority.. The bills or pampers and food and a roof over our heads…

So im planning to file bankrupsy and i got a new car but not under my name because the current car that i had was breaking down and one time broke down on the high way and almost got rear ended by an 18 wheeler with my at the time 7 month old son… I have taken the car to the shot for broken cilynders 6 times its a recall the lincolns have. And that just did it for me i never got in the car ever again since.

The only debt im staying with is my motorcycle which im almost done paying, My new car which is not under my name, And my mans car which is under my name.

The bank is calling to repo the lincoln. its parked not hidding or anything. im giving them a hard time because they had locked my account and made 16 of my checks bounce causing fees to those who tried to cash the checks… The credit union paid the fees and i closed my account with them and now im banking with someone else…

What can they do if im giving them a hard time by not answering and them not knowing my new address and they keep having a bigger loss on the car. The car doesnt even start its been parked for over almost 3 months now… the bank is in miami so they have to pay someone to deliver it to miami from texas.

what are the steps besides calling and sending mails. How long till they put a restraining notice on my bank accounts. i have yet to pay my lawyer b/c i want to give him the full 2,500 cash instead of payments. Im short like 400 bucks… But almost done paying..

i just want to know what power they have if they are having problems finding the car and getting intouch with me.
I know they can report the car stolen but when will that happen ? what else could happen ?
my son wont go to foster care i have a present father.

why would they charge me with fraud?

what would be the reason for them arresting me if the car is parked ready for them to get it, im not keeping them away from it. Its their job to repo it.

and why would they freeze my accounts if im going to have a lawyer and im filing chapter 7 i dont owe them sht
the lawyer said i can keep those 2 debts because with the car i only owe liek 7 K and never been late and the bike i only owe 2K and i never been late and i only pay like 63 bucks a month for it.

all the other debt was WAY more than what im keeping