i myself and not my wife filled for bankruptcy last year and me and my wife had joint of a vechile. But the bankruptcy took me off of it. We sent off for our credit reports recently and on them is states in the RECENT BALANCE/RECENT PAYMENT collum ( $0 / paid as of 3-2000 ) and in the COMMENTS collum is says ( included in bankruptcy/never late ) and its like that on all of our credit report for all 3. But yet the lean holder still has the title to the car. Now if we wanted to trade the car in will there if anything happen in result of that. Any input would be helpful in this situation. Thank you.