Legal Question in Credit and Debt Law in Wisconsin

If you are being sued for a deficiency judgment left over following vehicle repossession, you owe it to yourself to at least have an initial conference with a bankruptcy lawyer. Such matters are generally 100% dischargeable in a chapter 7 case, which should not cost much more than $1000 for typical consumer filers in WI. Your ability to go against the other owner for what you have paid will depend upon your contract with him. If your agreement was that he was supposed to pay but didn't, you could sue him on that basis to recover what you have paid. Adding your projected future payments to your lawsuit would be difficult to win on if he fought it; normally reimbursement is available only for amounts which you have already paid. My comments in this online forum are offered for public educational purposes only and are not legal advice, nor do they create any attorney/client relationship between us. However, I may be able to formally represent you if you contact my Racine office and make arrangements to retain me. I also represent clients throughout WI.