Hoping to get some advice. I’ve already spoke to my bk lawyer and she gave me a few options.
I filed ch. 7 bankruptcy last year. When I first initiated it I was not going to include my car, I was going to reaffirm it. low and behold the engine went to crap- I knew it was going to happen. I decided to include it obviously as I didn’t have the money to replace the engine when I was barely making the payments. (at this point I had about 90 days to wait to be able to file and was already behind and told them they could get it I was going to file bankruptcy) We had my 341 meeting and none of my creditors showed up. I asked my lawyer that day about my car and she said tell the loan company to come get the car and get a new one. Day after my 341 meeting I called them, again, I told them it was broke down but they were welcome to come get the car anytime at my house. Fast Forward: I am 8 months post discharge and they still have not picked this up. I still have it active on my insurance and it’s time to renew the plates. I called up my lawyer and asked her what I should do and she gave me three options, and this is where I want your guys opinions. She says the best option right now is 1, what do you all think?
Call them and offer them an amount from $1.00 to whatever I’m willing to pay to redeem the title; reiterating to them that it’s junk
Tow it to a shop and let the mechanic put a lien on it so the lender can either pay it and get the car or let the mechanic have it
Call one of those tow companies who likes to play games with lenders to get it back.