My wife and I are currently upside down in 2 vehicles, and we are at the point where we are no longer able to make pymts on the vehicles, since she has lost her job, and we are not able to refinance them at this time. We've also attempted to sell them, but we have not been fortunate to. We have also filed Chp7 bkty 2yrs ago, and voluntary surrendered a vehicle then, but no judgement was pursued then, since the vehicle was part of the bankruptcy.
If I voluntary surrender the vehicles, and I live in San Antonio TX, can they pursue to attempt to garnish my wages for the deficiency, and what other legal ramifications, may I possibly be facing??? Also, do the creditors have any rights to contact nearbys for skip tracing methods to try to attempt to reach us, after we have kept in contact w/them since the beginning of our ordeal, and we have sent them a cease and desist certified letter?