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Repo And Bankruptcy
I am filing Chapter 7 Pro Se in the State of Florida. I had a Reposession back in January and the car was sold. I am now being asked for the differece. I looked at my CR and noticed that it was charged off by the bank but I have a collections company contacting me for the differece. Do I list both companies as creditors? and I would like to know since the car was repossesed and sold would the amount I owe now be considered secured or unsecured?
Also, what is the meaning when they ask if something is contingent? unliquidated? and amount of claim (Is this amount owed to creditor?)
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Re: Repo And Bankruptcy
I would err on the side of overinclusion and list them both.
The deficiency judgment is an unsecured debt.
Contingent.
Unliquidated.
Amount.