Ford: Question about my financed car,or was at least, court judgement, michael ford

Question
I have a really strange situation that has left me not knowing what to do. I financed a car through Ford Credit in 1999. Well i had a lot of financial problem s and in 2000 i filed bankruptcy but i did not include the car, anyway i couldnt keep up with my payments and up until the time i filed bankruptcy ford would call me tell me im late etc. But after the Bankruptcy it all stopped. I stopped making payments and thaught they would just come get the car, they never did and still never have... I have registered car every year, kept insurance on it every year but nothing, now i moved and the new state wants copy of title, what do i do?? And what are the reprocussions of this going so long, how could they have overlooked this?? Confused in Miami

Answer
Michael,
Ford stopped calling you because of the bankruptcy. That doesn't mean you don't have to pay them. They still have the lein recorded on the title and the only way to clear that is to pay them off. Ford Credit has a huge number of loans to keep up with and somehow yours fell through the cracks. They know that if you ever need to do anything with the title you have to come back to them. You can try to get them to accept a settlement of some sort on the car if you want to keep it, but when you contact them it could bring out the repo man.
Since you did not include the car in your bankruptcy you still owe them everything you did when you stopped paying plus late charges and intrest have continued to add up plus any repo and storage fees. They will take the car to an auction and get the most they can and then they can go to court and get a judgement against you for the balance. In some states they can garnish your pay check to pay off a court judgement.
This could turn out to be very expensive. You may want to contact a lawyer to help you on this one.
Let me know how this works out.
John Tucker