Legal Question in Bankruptcy in Alabama

Re: Reposses after discharge 3 years ago.

Usually, in a Chapter 13 that has been discharged, the secured creditor would have been paid the ENTIRE amount of the debt it was owed through your monthly payments in the bankruptcy plan UNLESS your petition states that the secured creditor (usually a moble home, regular house or automobile that cannot be paid "inside" of the time period of your plan)and is being paid OUTSIDE the plan, i.e. you are making a SEPARATE payment to that specific creditor instead of the creditor getting paid through the bankruptcy court by the Trustee.

Because of the nature of your situation, you should IMMEDIATELY contact you former bankruptcy attorney to determine the "status" of that claim in your bankruptcy case. The attorney's answer will let you know where you stand.