Let the trustee know what you want to do. I don't like when my clients sell their assets before a trustee issues a notice of no distribution, which will usually happen very soon after the meeting of creditors. Bad things can happen that aren't worth the quick sale of the car. I would wait until after the trustee takes the position that he's not interested in the car.
This is a tricky question because technically, a lawyer is not supposed to advise a client to take on debt before bankruptcy. However, it is generally accepted that such debt will be acceptable if it is to obtain "necessities". Most people believe that it is necessary to have a working car in a chapter 13 case so that the debtor can continue to work and earn a paycheck. THIS ISN'T LEGAL ADVICE, but it would be wise for you to ask this question of a lawyer. Nevertheless, I would expect that you...
Yes, the gross income figure is included here on Schedule I. There is a similar place on Schedule J (line 16) that asks for regular expenses for a business. Don't net that figure out here on Schedule I.
Your question is really asking 2 questions: 1. How late can I file a reaffirmation agreement and 2. Should I reaffirm?
Reaffirmation of real estate mortgage loans is not required by the bankruptcy code (unlike, say, car loans). In many mortgage documents the filing of a bankruptcy case is an event of default, but it depends on the law of the individual state whether that default alone is grounds to foreclose. You should consult a local attorney to find out the answer to that question.
Both of my colleagues have posted very useful information. What is troubling to me about this picture is that your employer withheld money from your paycheck and did not turn it over to your health insurance provider and you were damaged. You may have claims against the president of the company for fraud and/or breach of fiduciary duty. If the company is insolvent an action against the president may be your best chance for a recovery. You should explore this possibility with your attorney.
You are probably ok and likely don't need to exempt the payment. I have a question though: how long is the time between the date you made the payment and the date you need the truck? If there is a fairly short time frame you're probably ok. However, if it looks like you spent that money just as pre-bankruptcy planning, that may raise suspicion with the trustee or the US trustee. You should also ask your lawyer whether you need to disclose that payment on Question 10 of the Statement of...
While it is not likely that anyone will purchase this claim, sometimes defendants offer trustees nominal value, and the trustees accept. If this happens you'll have no choice other than to bid against the defendant. This happens rarely, but it does happen.
Your name should not be added to the billing, this is a violation of the discharge injunction. You or your attorney should send a letter to the billing company including the case number and date of filing and discharge. A copy of the schedules including the billing creditor should be helpful as well as a copy of the discharge order. You should be able to straighten it out.
I'm not sure when you set up the installment agreement and whether you've confirmed a plan in your chapter 13 case. Usually trustees (and the IRS) do not go along with these installment plans because priority tax claims need to be paid in full over the life of the chapter 13 plan. A few more facts may help shed more light on your situation.