Can you still bankrupt on a car that has been repoed and a lien was placed on my home I live in Virginia and my job downsized.
Avvo Question: I bought this car fell behind in payment and was told through a letter that they would get a lien placed on my home but I havent seen any paperwork on that from my mortgage company.
Avvo Answer: You can still include the debt that you incurred from a repossession in a bankruptcy. If you file the bankruptcy prior to the lien being attached to the house, then the creditor will not be able to place a lien on the house assuming the debt is discharged in the bankruptcy.
If the lien is placed on the house prior to a bankruptcy speak with an experienced bankruptcy attorney about how to remove the lien on the house during or after the bankruptcy process. Removing liens from civil judgments may result in additional fees not included in standard bankruptcy representation, but it still is possible to remove the lien.
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