Legal Question in Bankruptcy in Alabama

Re: bankrupcy

There is a concept in bankruptcy called "bare legal title." This means that an item of property is titled in the debtor's name but someone else has actually made the payments and has "equitable" title to the asset. Your ex husband has bare legal title and will be able to get a discharge from his obligation to pay the creditor who holds a lien on the car. You SHOULD be able to work directly with the creditor to insure that you get to keep the vehicle. I doubt that a bankruptcy trustee would be interested in taking the car from you under the facts you have provided. The question really comes down to how the creditor will respond to his bankruptcy filing. Talk to the creditor directly and see what you can work out. Melinda Dionne