Do I have a financial obligation for this vehicle they never repossessed? I don't have a clear title, so I can't trade it in or sell it, so it is becoming more of a liability than asset. Can I contact them without fear of legal repercussions?
This is a common problem without a great solution. You definitely don't have any monetary obligation to the vehicle lender assuming you received a discharge in your bankruptcy case. However, they do still retain their lien against the vehicle.
You can and should contact them to either coordinate return of the vehicle, or an agreement to allow you to sell it.
Mark Markus has been practicing exclusively bankruptcy law in California since 1991. He is a Certified Specialist in Bankruptcy Law by the State Bar of California Board of Legal Specialization, AV-Rated by martindale.com, and A+ rated by the Better Business Bureau.
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