My question involves bankruptcy in the state of: Georgia
I filed for a chapter 13 about 3 years ago. When I filed for bankruptcy I did NOT reaffirm a vehicle loan. I was a co-debtor (main debtor on the loan) on this loan. The vehicle was not in my possession and as such it took them about 2.5 years to reposes the vehicle. I received a letter offering me an opportunity to purchase the vehicle or the loan back. Since I was not going to either I ignored the letter. Today I received a letter asking my trustee to pay a deficiency on an unsecured debt to the loan company. I reviewed my documents and there was an amendment that I found stating that they were allowed to go after the co-debtor but not the debtor which my lawyer assured was standard and they were no allowed to go after me. The amendment referenced, title 11 1301, which I have read and seems to agree with what my lawyer stated to me. So that is out of the way is the loan company allowed to try and come after me? I assume the deficiency is the difference between the loan value and the vehicle sale amount but if I did not reaffirm the debt I hold no obligations to the loan company correct?