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The tow company more then likely did a mechanics lien on the car sent all forms and documents to the last known address of the owner (address on the title) and with in time got the title transferred from your name to there’s -- this is how that works-- Have you called the DMV to see what address...

The loan contract you signed has this in the fine print -- the member ship agreement and the actual loan agreement- Yes it is legal, Unless that clause is not in there but almost every credit union has that language in the loan contracts. It states any loans now or in the future-- Credit cards...

They can-- this is in your membership agreement (the original membership card) you have with the credit union. it is a cross collateralization clause--" any and all accounts now and in the future are in this clause.

regardless if the OP filed a BK7 then the debt falls on the son -- if she filed a Cpt13 once discharged it falls on the son-- No one gets free cars, sooner or later they will want their $$ or the collateral.

There is still $$ owed on the car-- so if the payments are not made, then yes they have every right to come get the car even if only 1 payment is left on it.

NO that is not true, Hopefully Aetna will get you that letter again. If they dont have it any longer etc.. I dont know what you could do but keep disputing it till one day they fail to respond

Dispute it again, this time include the letter that the insurance wrote stating this is a duplicate and fraud bill.

Look in the phone book

Call the police and tell them the information you have, file a accident report and tell your insurance company the same.

it will be based off the means test- but it will take your actual wages and the means expenses so if your rent is 900.00 but Nevada says the mean is 750 then they will say 750

Yes the creditor MUST perfect their interest in the item ASAP it depends on state, here in Utah it is 45 days. If this is not done and the borrower files bankruptcy ANY Chapter, then the item is unsecured, and the Bankruptcy courts will treat it as such.

It is up to you the bankruptcy has not been discharged yet and he is still in the middle of it-- What if you write up a contract do the work and he adds this in the bankruptcy too? tell him you want to be PIF or do it, and hope he pays- your choice

If it was not then your case is unsecured you have no rights in the security as you did not perfect your interest in the item

The modular home should have a actual title to it-- Was this perfected?

What chapter is he filing a 7 or 13?

He may be filing a chapter 13 in which case There is no reaffirmation or retain you are really SOL and there is nothing you can do about it. Just remember even though he may be a friend he is still protected by the bankruptcy courts and if you violate the stay you will be in some deep trouble

The reason you are unsecured is because you ARE NOT ON THE TITLE, this is not his error this is your error. He does not need to do anything to his bankruptcy. If he and the attorney agree to reaffirm this debt and the trustee ok's it -then his attorney will have the paper work all three of...

When you go to the 341 Meeting ask him to reaffirm the loan-- the only trouble with this is your loan is not secured the trustee and even his attorney will more then likely not let him do that as you are not to reaffirm unsecured loans. If he is still just paying you 200$ a month then he has...

Your claim is not secured because you have no security in the vehicle (you should have listed yourself as a lien holder) You are SOL as you are a unsecured creditor if he filed a chapter7 you are not going to get a penny, if he filed a 13 you may get 50$. You have every right to go to the 341...

The owner of the car ( as it reads on the title ) needs to request a duplicate title and release it to you once they get it