My question involves bankruptcy in the state of: Texas
If I elected to file a chapter 13 in Texas, and I surrender my vehicle. Is it treated pretty much the same as a repo in regards to the deficiency?
We have a $1023 per month auto payment. (I know...we're stoopid)
We can't afford this any longer.
We don't know if we should file chapter 13 or simply let the car go back to stay out of a 13.