They are incredibly professional and their level of. If you prefer, we will quote your exact price right over the phone (702) 715-0000. If you’re still making car loan payments, you have three options for how to handle your car loan in a Chapter 7 bankruptcy case: Reaffirmation. Car Bankruptcy Loans can get you a fresh start when you need one, so let the our program help you find a car loan after. Filing for Chapter 7 bankruptcy will wipe out most of your general unsecured debts and give you a needed financial "fresh start. You earn a fresh start. Bankruptcy is a legal process in a specialized federal court to help individuals and businesses get rid of debt or repay debts under the protection of the bankruptcy court. Find reviews, educational history and legal experience. Here are eight tips to help you find a place to rent after your foreclosure has been settled. James Demetras. Within 14 days of the filing of a bankruptcy petition, schedules of the debtor's assets and liabilities must be filed. Electronic Case Filing (ECF) Helpdesk Phone: (866) 232-1266 Email: Chapter 7 Filing Requirements. Fact checked by. $2,800 for tools of the trade. Chapter 7 Bankruptcy. we assist people and businesses through the bankruptcy process. O'Mara Law Firm provides legal services to all cities in Nevada including Reno Sparks for any bankruptcy help. Bankruptcy, Estate Planning, Family and Tax. As soon as you file your Chapter 7 bankruptcy, you are given a case number and a bankruptcy trustee is assigned to your. A Chapter 7 bankruptcy is also called a liquidation bankruptcy because you have to sell nonexempt possessions and use the proceeds to repay your creditors. Official Bankruptcy Forms are approved by the Judicial Conference and must be used under Bankruptcy Rule 9009. It's quick, taking only a few months to complete. L. Failure to timely file the appropriate schedules may result in dismissal of the bankruptcy and the barring of the debtor from filing again for 180 days (six months). 5. Reno, NV Bankruptcy Lawyer with 42 years of experience. Chapter 7 Bankruptcy and Car Loans. Our office will contact you to set up a free initial consultation with Kevin A. Our bankruptcy attorneys in Reno can represent you in every area of bankruptcy law. 10%. Read on to learn about filing Chapter 7 bankruptcy, the meeting of creditors, keeping your car, and why creditors must stop contacting you after filing. Estes, Esq. Darby is a partner and founding attorney of Darby Law Practice, representing individuals and businesses in bankruptcy in Reno, including Chapter 7, Chapter 11, Chapter 13, and helping clients in all manner of debt relief from loan modifications and. Attorney fees for Chapter 7 average between $1,000 and $3,500, and for Chapter 13 between $2,500 and $6,000. With Chapter 7 bankruptcy, your personal debt, outside of student loans, recent income tax debt, or past-due child support can be. Las Vegas. S. Chapter 13. S. Official Bankruptcy Forms are approved by the Judicial Conference and must be used under Bankruptcy Rule 9009. In Chapter 7 bankruptcy, a trustee takes control of your assets and tries to sell them to make your. In exchange for debt relief, these filers pay their discretionary income to creditors in a three- to five-year repayment plan. Contact us today!Specialties: White Law Chartered, located in the Historic Twentieth Century Building, serves the community in protecting assets for the present and future with the creation of wills and trusts. View Website View Profile Email Lawyer. Filing for Chapter 7 in Texas. Toggle navigation (775) 243-3769. 7, 2023 9:20 am ET. Harris Bankruptcy Attorney, Reno Zero Down Bankruptcy Lawyers, Bittner & Widdis Law, Alison J Colvin, Law. For example, in El Reno, you could get debt relief in about 120 days with a Chapter 7 bankruptcy. By law, your bankruptcy attorney or debt relief agency must advise you of your options under all available chapters of the bankruptcy code. 43 KB) Form Number: B 410. 11 U. Chapter 7 is often a bankruptcy filer's first choice for several reasons. Whether the bankruptcy fully stops foreclosure or repossession, or merely delays these events, depends on the type of bankruptcy you file. People will often refer to Chapter 7 bankruptcy as a “liquidation" bankruptcy because you must turn over any property not protected by a Nevada exemption to the bankruptcy trustee. S. is a bankruptcy attorney and the founder of Shmucher Law, PL. In a Nutshell. Links for Chapter 7, 11, 12 and 13 Nevada trustees, information about reporting fraud, 341 meeting locations, reports and responsibilities of The Office of the U. Unless you pay cash for a home, it could take one to four years before you can qualify for a mortgage loan again. Reno Contracting, Inc. Unlike Chapter 7 Bankruptcy, filing for Chapter 13 bankruptcy involves creating a three- to five-year repayment plan for. 32. " Chapter 7 Bankruptcy in El Reno. You will then need to file an adversary proceeding (AP. We Will Instantly Connect You with a Chapter 7 Bankruptcy Lawyer for a Free Consultation. Step 2: Fill in your marital and filing status. com. Discover how hiring a skilled bankruptcy attorney from Recovery Law Group can guide you toward a path of financial recovery and peace of mind. Chapter 7 is the most common form of bankruptcy, followed by Chapter 13. Shmucher's bankruptcy practice includes creditor negotiations, the representation of individuals and corporate debtors, creditors, and trustees in Chapter 7 and Chapter 13 filings and adversary proceedings. Stephen R. Bankruptcy Code. Serving San Jose, CA (Santa Clara, CA) Choose Michael W. Thursday, November 18, 2021 On June 21, 2021, the United States Trustee Program’s rule entitled Uniform Periodic Reports in Cases Filed Under Chapter 11 of Title 11, published at 28 C. Free Consultation Bankruptcy and Consumer. It can buy you time to negotiate with a lender to change the loan period or loan terms of the mortgage. The agency offering the credit counseling must be approved by the U. It’s a complicated process that’s best taken on with the assistance of an attorney. 77. Chapter 7 bankruptcy is a powerful legal tool that allows you to completely erase many debts, including credit card debt, medical debt, car loans, payday loans, and (in some cases) student loans. (510) 910-1619 39180 Liberty St. Call Us Now For a Free Consultation (702) 879-7968; BANKRUPTCY. Norma Allred Guariglia is licensed to practice law in Nevada and focuses on representing clients in all aspects of bankruptcy, including debtors, creditors, trustees, and examiners. GUARDIAN FUND, LLC filed a 11 chapter bankruptcy in the District of Nevada bankruptcy court on April 11, 2023. Bankruptcy is also outside the jurisdiction of small claims courts. With Chapter 7 bankruptcy, your personal debt, outside of student loans, recent income tax debt, or past-due child support can be erased. Chapter 7 bankruptcy takes all of the debtor’s assets (that are not exempt) and dissolves them and apportions the monies to the debtor’s unsecured creditors. Reno, NV Bankruptcy Attorney with 43 years of experience. Chad Johnson. past-due utility balances. If your income is less than 150% of the poverty guidelines in Michigan, you can request a waiver of the filing fee (see the table for Michigan Fee Waiver Eligibility below). Patricia Joan Johnson. With a population of 255601, I’d. Darby Law Practice, Ltd. Bankruptcy also stops wage garnishment and harassment by collection agencies. 323. This is a voluntary filing; it was assigned the bankruptcy case number #23-50233. We have the lowest prices for a Chapter 7 Bankruptcy Lawyer in Reno or Sparks, Nevada. You can surrender the vehicle, which relieves you of the responsibility from the auto loan after bankruptcy. 00. For a Reno bankruptcy attorney, call the experienced debt relief lawyers of Darby Law Practice, who will give legal. A case can be dismissed if the filer doesn’t make all Chapter 13 plan payments, or fails to send their tax returns to the trustee every year. . 10/12/2023. The Chapter 7 federal bankruptcy laws can stop debt collection and provide a clean slate for many individuals. The firm is capable of handling personal and business bankruptcies, assisting clients in filing for a chapter 7, 11, or 13. (1) The things that happen immediately after filing bankruptcy. C. [ 1] It’s more common than most people think. 1. Cynthia Jean Nelson. RENO, NV 89509 Phone: 775-784-5335 Fax: 775-784-5531. Fremont, CA Bankruptcy Attorney with 17 years of experience. - 5:30 p. Chapter 7 bankruptcy is a legal process that allows a person to discharge all of their unsecured debt. Proof Of Claim. ”. Find the debt relief you need with the best debt settlement. Bankruptcy Court Nevada District (the "Bankruptcy Court") Reno. Chapter 7 vs. DARBY Darby Law Practice, Ltd contact info. Chapter 7 bankruptcy is often used to eliminate debts such as credit card bills, payday loans, medical bills. The court may revoke a chapter 7 discharge on the request of the trustee, a creditor, or the U. Bankruptcy is a common debt relief choice. The four most common Bankruptcy Chapters are 7, 11, 12 and 13. With a population of 255601, I’d. S. Laughlin, and Reno as well as Las Vegas, NV. Attorney fees*. Do You Qualify: The Chapter 7 Means Test. Luis Aguilar is a law firm in Riverside, California, providing bankruptcy resolution services to clients all over the metro area. potosd. Chapter 7 Bankruptcy; Chapter 13 Bankruptcy; Reno Medical Debt Bankruptcy; Emergency Bankruptcy Filing in Reno; Wage Garnishment; Foreclosure;. There’s a court filing fee of $338 to file a Chapter 7 bankruptcy. 775-827-9600. Steve Harris has been actively involved in many of the largest, high profile bankruptcy cases in Nevada. You are considering filing for Chapter 7 bankruptcy or Chapter 13 bankruptcy in Reno. However, because of the national law preventing bankruptcy abuse, this automatic stay might be short. But it won’t be impossible to find a rental. Office Hours: 9:00 a. C. Bankruptcy Court,. Ofer Shmucher, Esq. Personal to you and your situation, which then requires a specialized and unique approach at choosing if filing for bankruptcy is right for you, and navigating the many questions that may arise regarding chapter 7 or chapter 13 cases. It's quick, taking only a few months to. Shmucher has assisted hundreds of. Avvo Rating: 8. A chapter 7 case begins with the debtor filing a petition with the bankruptcy court serving the area where the individual lives or where the business debtor is located. Compare detailed profiles, including free consultation options, locations, contact information, awards and education. 17 lawyers specializing in Chapter 11 are available in the Reno, NV area. Legal bankruptcy. This can be paid in four installments up to 120 days after the filing (or 180 days if the court extends the timeframe). Dedicated and Experienced Reno Bankruptcy Attorneys. The short explanation below and our handy Chapter 7 versus 13 chart will help clarify things. (The trustee also earns a. Chapter 7 Bankruptcy; Chapter 13 Bankruptcy; Reno Medical Debt Bankruptcy; Emergency Bankruptcy Filing in Reno; Wage Garnishment; Foreclosure; Repossession; Credit Card Debt and Bankruptcy; GET OUT OF DEBT; ABOUT; CONTACT; BLOGLearn more with a Reno bankruptcy law office before making any decisions. 200 S Virginia St FL 8 Reno, NV 89501. Go to the court to file your forms 7. You get to keep certain kinds of property—for example, at least some of the equity in your home, your car, clothing, personal items, and property that is essential to your profession. Serving San Jose, CA (Santa Clara, CA) Choose Michael W. Any co-signer on a debt will continue to be liable even if the debtor has filed for a chapter 7 bankruptcy, unless the co-signer also files for similar protection. When debtors are behind on car or house payments, filing for Chapter 13 bankruptcy has the benefit of spreading out the past-due balance over a 3 to 5 year period, making them much more manageable. BARNES in the U. Bankruptcy law, NV and across the United States is established through the Federal Bankruptcy Code. Golden Gate University School of Law. By comparison, Chapter 13 can take up to five years because a repayment plan is involved. Select Bankruptcy under “Court Type” and enter your ZIP code, and then click “Go”. Bankruptcy Code. Free Consultation. Harris Bankruptcy Attorney, Harold C. The main cons to Chapter 7 bankruptcy are that most. As per the Bankruptcy Abuse and Consumer Protection Act of 2005 (BAPCPA), consumers who file a Chapter 7 or Chapter 13 bankruptcy are required to complete a Bankruptcy Credit Counseling session with an approved non-profit counseling agency. While Reno business bankruptcy provides many advantages, it can be complex, is very expensive, and incurs many fiduciary responsibilities. Reno, NV Chapter 11 bankruptcy lawyers. This course takes about 1–2 hours, and you can take it online, by phone, or in person, depending on where you live. trustee if the discharge was obtained through fraud by the debtor, if the debtor acquired property that is property of the estate and knowingly and fraudulently failed to report the acquisition of such property or to surrender the property to the. Shmucher's bankruptcy practice includes creditor negotiations, the representation of individuals and corporate debtors, creditors, and trustees in Chapter 7 and Chapter 13 filings and adversary proceedings. Bankruptcy is solely filed in a federal bankruptcy court and is solely governed by federal law. Learn how to file bankruptcy in Kansas District Bankruptcy Court, complete the Means Test for Reno County, use Kansas Bankruptcy Exemption laws to protect your property, and how a Kansas bankruptcy lawyer can help you if you need it. Exactly. U. Chapter 7 Bankruptcy in El Reno. To qualify for Chapter 13 bankruptcy: You must have regular income. Written by Mark P. The three types of personal bankruptcy – Chapter 7, Chapter 11 and Chapter 13 – all require the person filing the petition to pay a filing fee and an administrative fee. Upsolve Civil Rights Should Be Free. Reno Bankruptcy Lawyer - Darby Law Practice 775-636-6791 Know your rights responsibilities and option Darby Law Chapter 5 Small Business Darby Law Bankruptcy StigmaAt Bankruptcy Law Group, we specialize in Chapter 7 Bankruptcy and Chapter 13 Bankruptcy Services. Comanse, Esq. § 521 mandates that a chapter 7 or chapter 13 case. Individuals and married couples can only file under Chapter 7 if their income levels fall below Nevada’s median income. More than three quarters (78%) of readers paid their. Learn more about the types of bankruptcy individuals file, the differences between Chapters 7 and 13 Bankruptcy, and who can't file bankruptcy chapter 7. , Reno Zero Down Bankruptcy Lawyers, Young Stephen G Attorney At LawReno, NV Chapter 11 bankruptcy lawyers. 19, 2020, added a new subchapter V to Chapter 11 designed to make bankruptcy easier and faster for small businesses. Chapter 7 Liquidation Bankruptcies are used most often when you have more bills that you can pay and there is little hope of being able to pay them. Chapter 7 bankruptcy law gives you a “fresh start” by allowing you to keep many of your assets while granting you. Beyond the Chapter 7 exemptions, we also assist with tax debts, provide advice regarding , debt settlement , and handle business bankruptcy in Chapter 7 and Chapter 11. Business Hours: Monday-Thursday: 9:00 a. However, some debts are not removed in a Chapter 7. Harris Reno, NV Bankruptcy Lawyer with 49 years of experience (775) 786-7600 6151 Lakeside Drive Suite 2100 Reno, NV 89511 Free Consultation Offers Video. Chapter 7 bankruptcy works well for people who own mainly the essential items needed to live and work and not much else. 1321 (Reno) [email protected] Home; Attorney. Call Us Now For a Free Consultation (702) 879-7968; BANKRUPTCY. Chapter 7 bankruptcy works well for people who own mainly the essential items needed to live and work and not much else. 2 days ago · Summary of Pettine v. Learn with a Reno bankruptcy attorney how to avoid them. Chapter 13 bankruptcy. Chapter 7 is often a bankruptcy filer's first choice for several reasons. Fletcher & Lee LTD. Chapter 7 Bankruptcy; Chapter 13 Bankruptcy; Reno Medical Debt BankruptcyU. As of May 1, 2012, in Nevada a single-income household cannot exceed $40,429 per year to receive Chapter. Monthly Las Vegas bankruptcy case filing statistics for the U. Skip to main content. S. Chapter 7 Non-Pro Se Chapter 7 Pro Se Chapter 11 Chapter 12 Non-Pro Se Chapter 12 Pro Se Chapter 13 Non-Pro Se Chapter 13 Pro Se Chapter 15 TOTAL; 2022 2023 2022. Bankruptcy costs include court filing fees, credit counseling course fees, and, if you hire a bankruptcy lawyer, attorney fees. After Hours / New Clients: 888-297-6203. (see Nevada Exemptions) The trustee sells the assets and pays you, the debtor, any amount exempted. There are too many Bankruptcy laws, rules and procedures to deal with. , P. Step 2: Fill in your marital and filing status. Chapter 7 bankruptcy. charge no out of pocket expenses so that you can have a greater chance of getting your finances. Harris has practiced law primarily in the chapter 11 business bankruptcy arena for over 40 years, mostly in Northern Nevada. Talk With a Chapter 13 Bankruptcy Lawyer. O’Mara has built and maintained an outstanding reputation by providing superior legal services to his many. TRUSTEE - RN - 11. Contact Us. Filing for Chapter 7 in Rhode Island. For example: Assume you are expecting a tax refund of $4,000. Top Cities: Las Vegas, Reno, Henderson, Cold Springs. Chapter 7 and Chapter 13 are personal bankruptcies that serve individuals who have a lot of medical, credit card, or other consumer debt. com. When a chapter 7 or chapter 13 bankruptcy stops you from getting the car loan you need then Chapter 7 Car Loan could help match you with a lender or bankruptcy car dealerships in Reno that has financing that fits your needs. In Chapter 13 bankruptcy, you can keep assets like a house or a car as long as you have a reliable income. Mr. As with everything, there are upsides and downsides to filing Chapter 7 bankruptcy. # of People. Updated:. Wajda Law Group. Get Started For As Low As $500 to $1,500. Local Rules - Complete Set updated 3/2/2021. C. Contact me. Skip to content. Redding, CA Bankruptcy Attorney with 31 years of experience. By 2019, thanks to her appearance. You'll either file a Chapter 7 or Chapter 13 bankruptcy. Instead, contact Fair Fee Legal Services to hire a qualified bankruptcy attorney in Las Vegas. Getting a Car Loan after Bankruptcy in Reno. 800 S. However, if you have assets in excess of. In order to determine whether or not somebody files for chapter seven bankruptcy based upon income, we have to do something called the chapter seven. . You. Your unsecured debt cannot exceed $419,275, and your secured debt cannot exceed $1,257,850. 775-260-2616. 77. If you would like further assistance filing for bankruptcy in Las Vegas, Contact DeLuca & Associates at (702) 872-3134 to schedule a free. The U. You don't pay anything to creditors. Filing Chapter 7 can be an excellent way for a corporation to wind down a business because the bankruptcy trustee becomes responsible for liquidating business assets, such as accounts receivables, real estate, and inventory. Call Us Now For a Free Consultation (702) 879-7968; BANKRUPTCY. Download Form (pdf, 209. Reno, NV Bankruptcy Attorney with 30 years of experience. Malter for experienced, diligent bankruptcy representation in the San Jose, CA area. There are many documents that you’ll need for reference, including: Bank statements from the last 6-12 months, Creditor statements,You may have property that you would lose in a Chapter 7 bankruptcy if you file now, but that you could keep if you wait — or at least have time to sell and use the proceeds. 775-827-9600. A lawyer’s fee is an important consideration, especially in a Chapter 7 case, but it shouldn’t be the only factor when choosing a lawyer for your case. 15, 2023), debtor's LLC interest in bankruptcy and charging order lienIn order to be eligible to file for Chapter 13 bankruptcy, you must have regular income and meet certain debt limitations for your unsecured and secured debts (unsecured debts must be less than $383,175 and secured debts must be less than $1,149,525 as of 2015). Updated Nov 1st, 2023. Make A Payment. Contact me. A Chapter 7 filing also requires a $15 trustee fee to help offset the expense of the court-appointed administrator who oversees the case. Fact checked by. It’s common to be concerned about what’s going to happen to your car if you file bankruptcy. Rent Your New Place Before the Foreclosure Shows on Your Credit Report. Whether you are filing for Chapter 13 or Chapter 7 bankruptcy, we charge no out of pocket expenses so that you can have a greater chance of getting your. How Much Do Bankruptcy Lawyers Charge for Chapter 7? Our survey showed that, on average, readers paid their lawyers $1,450 to file for Chapter 7 bankruptcy. Chapter 7 Bankruptcy; Chapter 13 Bankruptcy; Reno Medical Debt Bankruptcy; Emergency Bankruptcy Filing in Reno; Wage Garnishment; Foreclosure; Repossession; Credit Card Debt and Bankruptcy; GET OUT OF DEBT; ABOUT; CONTACT; BLOG Call Us Now For a Free Consultation (702) 879-7968; BANKRUPTCY. pdf:Find Nevada attorney Nicholus Palmer in their Reno or Reno office. 775. Financial Financial Advisory Services Financial Consulting Legal Services Loans medical debt Military Attorneys Nevada. In addition to the petition, you also must file with the court: (1) schedules of assets and liabilities; (2) a schedule of current monthly income and expenditures; (3) a statement of financial affairs; and (4) a schedule of. Darby, Esq. (775) 788-2000 100 W Liberty St. See below for specific court information for Reno County. Transcript Order Form for Reno and LV: Online Transcript Request Form: 04/12: Instructions: Request for Archived Bankruptcy Cases (Individual). m. Skip to content. In Chapter 13 bankruptcy you keep all of your property, but must make monthly payments over three to five years to repay all or some of your debt. More than three quarters (78%) of readers paid their. You'll still owe any outstanding debt balances, plus the interest creditors didn't charge during your Chapter 13 case. To file a bankruptcy petition, you’re required to complete a credit counseling course. A Chapter 7 bankruptcy involves asset liquidation to pay off debt and can be done by an individual or business. 80. Visit Website. What is Chapter 7 Bankruptcy? A chapter 7 case begins with the debtor filing a petition with the bankruptcy court serving the area where the individual lives or where the business debtor is located. To file for student loan bankruptcy, you will first need to file for Chapter 7 or Chapter 13 bankruptcy. Many individuals find themselves in debt and pursued by creditors demanding payment, often at a time when the debtor can't afford to pay. Reno: 300 Booth St. It's quick, taking only a few months to complete. Chapter 7 bankruptcy is a liquidation where the trustee collects all of your assets and sells any assets which are not exempt. , Nov. And it's cheap. Additionally, “a Chapter 13 debtor may be able to finance a car while the repayment plan is still in effect, although. Learn how bankruptcy works in Reno County, KS. And our chapter 7 bankruptcy attorneys know how to maximize filers’ Nevada bankruptcy exemptions. The following is a non-exhaustive list of Nevada bankruptcy exemptions (property you get to keep): Up to $605,000 in home equity (“homestead exemption”); Up to $15,000 in automobile equity (“motor vehicle exemption”);BAPCPA made substantial changes to the Bankruptcy Code. Bankruptcy Law Group - Reno, NV. Rent Your New Place Before the Foreclosure Shows on Your Credit Report. A Chapter 13 bankruptcy stays on your credit reports for up to seven years. Landlord Filed for Eviction After Tenant Filed Chapter 7. 4. And it's cheap. (775) 324-1011 phone. USTP TO POST UPDATED FORM 11-MORs AND UST FORM 11-PCRs . It often lasts 3 or 5 years, and you can often protect your assets in bankruptcy even if they are above the exemption. 876. Chapter 7 bankruptcy. The means test has two main steps, but if you "pass" the first step, you don't have to do. WSJ breaks down how the desk-rental giant co. What Is the Difference Between Bankruptcy Chapter 7 vs. proudly serves clients throughout Reno, Nevada, and surrounding communities of Churchill County, Lyon County, Carson City, Douglas. § 521 mandates that a chapter 7 or chapter 13 case. Chapter 7 Bankruptcy; Chapter 13 Bankruptcy; Reno Medical Debt Bankruptcy Bankruptcy courts in the District of Nevada are located in Las Vegas and Reno. The main pros to Chapter 7 are that you can receive immediate relief from collection actions (due to the automatic stay) as well as permanent relief from debts if your bankruptcy is discharged. Michael W. B2B bankruptcy enables businesses to continue operations through a reorganization plan, rather than liquidation. Chapter 7 is known as “straight” bankruptcy” or “liquidation. . Bankruptcy is a common debt relief choice. Use our free directory to instantly connect with verified Chapter 7 Business Bankruptcy attorneys. We offer $0 Down Chapter 7 and Chapter 13 bankruptcy for Nevada. See More. Holly E. 11 lawyers specializing in Chapter 7 are available in the Reno, NV area. Vikki Velasquez. 23-50502-hlb and is pending before the honorable Judge HILARY L. RENO, NV 89511: Trustee CHAPTER 11 - RN 300 BOOTH STREET, STE 3009 RENO, NV 89509 U. View Lawyer Profile Email Lawyer. Open for Business. Filing for Chapter 7 in North Carolina. KEVIN A. 205. Get Your Filing Fee. Its two offices in Nevada are in Reno and Henderson. Bankruptcy Cases in Nevada District Chapter 7, 11 and 13 Bankruptcy Cases filed in the Las Vegas and Reno Divisions. For a Chapter 7 bankruptcy, you’ll shell out $338 for filing fees and about $1,300 for an attorney. It can get even more stressful if you lose your car during bankruptcy, especially considering your credit score will take a hit after filing.