My statement of intentions indicated "retain and pay pursuant to contract", not reaffirm, but after discharge I've decided to walk away from this upside down car loan and buy a much cheaper used vehicle. Right now my loan is current but I plan on letting it go late for the first time right before I receive my discharge. How soon do you think they will repo the vehicle if I do not voluntarily tell them of my intentions to surrender? I wonder if they will take possession of it sooner since it's technically discharged than they would a normal loan that was late. Any thoughts?
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