another question please.i have a hp car,i cant afford to pay anymore.my friend is willing to continue paying for it.i spoke to the finance company about this and they told me that the loan will remain into my name until the loan is finish.if i dont include this into my bankruptcy,will the or find out about this?and how about if i include this into my expenditures but tell the or that my friend is the one paying for it?any advice please.thanks