Legal Question in Bankruptcy in Georgia

You have to have regular income to file a Chapter 13. Even if you could include unemployment (and that alone raises many problems for a potential Ch. 13), that obviously will come to an end at some point. Further, if you surrendered the vehicle you can keep it, because obviously you do not have it. Once that happens, it is gone (with very, very few exceptions). It is often auctioned pretty quickly. I am sure you know based on your post that you would not get a discharge of that debt anyway. You know you made a mistake in the first BR case without a lawyer, and apparently you now regret surrendering the vehicle without checking your options. Even though the answer to your question is probably pretty clear, after all you have done to this point, why are you not calling a Bankruptcy lawyer with your questions? Had you done it before you surrendered the car, there might have been some small chance of keeping the car (though if you are unemployed, it is likely your Chapter 13 case would not have gone very far given your situation). You have compounded the problems. Please consider this a potentially expensive lesson, as harsh as it may sound.

You might want to pay a lawyer a small fee to review the case file and see if the reaffirmation was ever properly approved and filed, just in case you got lucky.