If you file the bankruptcy and return the car to the dealership you will more than likely not owe the creditor any money back. However, to start repairs (if you choose that route) you'll likely need to first pay the deductible.
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They will send an adjuster out to look at the property damage. They may just send you a check for the total repairs less the deductible. your best bet is to find a body shop that will do it for less than the estimate. Contact a bankruptcy attorney for the bankruptcy issue. I would not recommend that you try to file pro se.
I agree with my colleagues and will add that you might want to get moving on that Chapter 7 a bit sooner rather than later, with an experienced bankruptcy attorney, of course.
If insurance company send you check, use that money to pay deductible. With respect to bankruptcy, retain a local bankrupcy lawyer from Avvo in your city.
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