No vehicle?

I believe he is. You will likely need to find another vehicle, and with the BK on your CR, you might want to look for a co-signer so you don't get completely raped by a high interest rate.

I know that with the new bankruptcy laws, it is not as easy to reaffirm as it used to be. Now the lawyer has to sign off on the reaffirmation, stating he believes it is in your best interest, before the court will approve it. If your income and other living expenses don't justify keeping the vehicle, then your attorney could be liable for malpractice if he signs off on your reaffirmation.

I'm not sure how your company's allowance plays into the equation. But I am sure your attorney has a lot more experience and training in dealing with BKs than I do. You might consult another bankruptcy attorney to get a second opinion.

Thank you both. I think I'll check into another lawyer. I talked to this one again, and he told me I should quit making my truck payments as soon as I file. He was saying it would take them 2-3 months to come and get it, and meanwhile, I can drive it for free and save the money to add to the downpayment on another vehicle. Perhaps he is right, but it seems to me it would look better to a potential lender if I made the payments right up to the end.

That sounds shadey,especially when your company is giving you an allowance for it.