Yes, but you will need to get permission from your Chapter 13 Trustee. Consult with your attorney to see if you will need to file a Motion to Incur Debt. Your Chapter 13 Trustee may be able to give you a list of dealers that will finance people in Chapter 13.
You may want to contact your Chapter 13 Trustee, as well as your attorney, and request a pay-off amount for your Chapter 13 Plan. The information on the Trustee's website is not a pay-off amount - it is only an approximation.
Keeping a small balance on your credit card is better. I know it does not make sense. But the way credit scores are calculated, having a small balance on your credit card is increases your credit score.
If you and your wife were both debtors in the Chapter 13 case, then the Trustee was required to send the money back to both of you. Texas is a community property state. There is nothing the Trustee or your bankruptcy attorney can do to enable you to keep all the money returned by the Trustee. This is a matter between you and your wife.
You have not provided enough information for me to adequately answer your question. Are you filing Chapter 7 to save your home from foreclosure? If so, you really should look at filing Chapter 13. It appears you need to consult with an attorney to make sure you are doing the right thing. How much equity do you have in your home?
When Congress amended the Bankruptcy Code in 2005, one of the changes dealt with HOA fees. Fees that come due after the date of filing are not dischargeable - only fees that were owed as of the date of filing. This is frequently a problem for debtors when they file bankruptcy, surrender the house, and the mortgage company does not foreclose on the property. The fees are accruing that the debtor is responsible for.
If your debt is primarily business debt, meaning more than 50.1% is business debt), then the Means Test will not apply. However, if your debt is more consumer debt (which includes your home mortgage) than business debt, you may not be eligible for Chapter 7. Without knowing what your secured debt is and if there are any special circumstances in your case, it is difficult to tell if you qualify for a Chapter 7 bankruptcy.
Yes. And, I encourage you to do so right away. A Chapter 13 filing is extremely difficult to get through - especially to get it confirmed and approved by the Court. Many attorneys have trouble getting Chapter 13 plans confirmed. You should seek an attorney who has significant experience in handling Chapter 13 cases. I would recommend you check for attorneys in your area on AVVO or go to www.NACBA.org and find a bankruptcy attorney. Good luck.
Changing your address is not going to help your situation. You should meet with a bankruptcy attorney and see what your options. Bankruptcy would stop the garnishments, however without more information, I don't know if it will help your overall situation.