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Bankruptcy Law/auto voluntary surrender as part of a chapter 7
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Question
In 2005 my debts were discharged as part of a chapter 7. I did a voluntary surrender of my auto. The deficiency is being reported on my credit report. My understanding is that the deficiency should have been discharged as part of the chapter 7. Is this correct?
The deficiency on your vehicle should have been included as part of your Chapter 7 bankruptcy. The auto deficiency should be discharged and should be reported as "included in bankruptcy" on your credit report. You should write a dispute letter to the credit bureau and include a copy of your bankruptcy discharge. If your need further assistance you can contact me at http://www.socaladvocates.com/riverside-bankruptcy-attorney
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Answers by Expert:
Norma Duenas - California Bankruptcy Attorney
Expertise
Norma Duenas is a California Bankruptcy Attorney representing clients in Chapter 7 and Chapter 13 consumer bankruptcy cases. Norma Duenas is the founding member of Southern California Law Advocates a consumer bankruptcy law firm. For further information you can visit us at: California Bankruptcy Attorney - Riverside, Los Angeles, & Orange County
Experience
Have filed over 350 consumer bankruptcy cases in Orange County, Los Angeles and Riverside. I have worked previously for Macey and Aleman, the largest consumer bankruptcy firm in the country. Currently I am the owner of Southern California Law Advocates, a bankruptcy law firm with offices in Orange County, Los Angeles and Riverside. Law offices is focused on consumer Chapter 13 and Chapter 7 bankruptcy.
Organizations
California Bar Association
American Bar Association
Riverside Bankruptcy Attorney
Education/Credentials
University of California, Irvine, BA in Criminology, Law and Society
California State University, Los Angeles MS in Criminal Justice
University of San Diego, Law School, JD Cum Laude
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