Your question makes it sound like you are doing your case without a lawyer. BIG MISTAKE. Get counsel before things get more screwed up. You will likely have both a repossession and bankruptcy on your credit history. You do NOT have the right to select the timing once you file absent cooperation with the creditor, and there are adverse consequences to a failure to perform your listed intentions in a timely fashion.
Answered on Sep 15th, 2011 at 10:42 AM