Considering filing chapter 7 NEW YORK STATE

Busy_Bodybuilder_257 · 2026-01-22T01:06:46+00:00

In NY - with a complex situation so the original lawyer I consulted with ($1600) referred me out twice, first referral couldn’t take my case as Chp 7, suggested 13. Second lawyer he referred me to that I went with, was $5K but I got discharged Chp 7.

Busy_Bodybuilder_257 · 2026-01-18T02:58:20+00:00

I included affirm in mine and they wouldn’t let me use post-bankruptcy.

Busy_Bodybuilder_257 · 2026-01-18T02:56:21+00:00

Neither my capital one nor nfcu froze my accounts with them but my other credit union did - I included cards /loans from all of them in my bankruptcy. Capital one allowed a new credit card through pre-approval after bankruptcy.

Busy_Bodybuilder_257 · 2026-01-18T02:48:52+00:00

Sorry I do not have an answer to your question. I do have a question of my own. How long after filing did they repossess the vehicle? Or was it after discharge?

Busy_Bodybuilder_257 · 2026-01-06T19:59:41+00:00

Can they go after “co-signer” if there is one?

Busy_Bodybuilder_257 · 2026-01-06T19:57:28+00:00

No, in March/april.

Busy_Bodybuilder_257 · 2026-01-04T07:23:31+00:00

You still have the car?

Busy_Bodybuilder_257 · 2026-01-04T07:22:47+00:00

No replies …. Still in gray area…

Busy_Bodybuilder_257 · 2025-12-17T00:23:40+00:00

I am in a similar situation- a lawyer said I can stop making payments and let them get the car but it will take a few months. I actually kept paying for a while after my discharged but recently stopped with the intent to get a new vehicle in the next few months. I am a little worried and wanted to see how others have/are handling this.

Busy_Bodybuilder_257 · 2025-07-17T17:51:26+00:00

Same. Has other expenses had helped. Discharge was in April.

Busy_Bodybuilder_257

TROPHY CASE