When you file bankruptcy there is no option to "not carry" a debt through the bankruptcy with you. You signed all sorts of papers under penalty of perjury stating that you disclosed ALL of your debts. What you SHOULD have done was to list the second car both as an asset and as a debt, and then surrender your interest in the car to both the lender and your ex. Those statements under penalty of perjury are not to be taken lightly. In Colorado, an unlisted debt is generally included in a discharge unless the creditor would have had reason to object to dischargeability. If your divorce decree awarded the car to your ex then you are probably okay. The safest thing is to make sure that your ex follows through and gets a refinance done.
Answered on Dec 18th, 2013 at 12:20 PM