HELP! Reposession after BK

[gem561]

Hello all! I have a question... I purchased a vehicle in July 08, 3 months prior to filing for bankruptcy with my mom co-signing. I filed in October and was discharged in Febuaury of this year. I did not re-affirm the car loan, and on my credit report it states "included in bankruptcy". Ive always remained current on my payments... until now. I was working at a Dodge dealership and got laid off. I am now unable to afford the payments =(. I am 30-days past due, but continuing to pay. I have no work, therefore no need for the vehicle. Since I did not re-affirm, can I turn the vehicle back in? And my moms credit has also takin a tumble do to medical bills... what will happen to her, since she is the co-signer? THANKS FOR ALL OF YOUR HELP =) P.S. Im in CA, if that make a difference....

[ecsclb1724]

I believe since your mom cosigned even though the debt was discharged with YOU in bankruptcy, they will still come after her for any remaining balances. Tread carefully!!