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QBankruptcy question??

My husband and I have an appointment with a lawyer next week . We are wanting to file Chapter 7 . But , my husband filed Chapter 7 in 2005 , before we were married . I know nothing about bankruptcy . What are our options ? Chapter 13? In addition , one of the loans that we present in 4 wheels has one of the assurances he and my nephew has 4 wheels . I have to take that from him ? Are they going to take all of that loan guarantee ? Please help me out .

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