I kept my payments up after my CH7 was discharged; auto was not reaffirmed. On my credit report it states included in BK. If I decide to voluntarily hand over the car now, will it change my report status to repo? I'm upside down in my loan so it would help if I could just turn it over and not worry tacking on a couple extra grand if I trade it in...but, if the credit statements are going to change to repo, I'd rather take the hit in my pocketbook than my credit report. Any opinions?
FYI, the car was great to "aide" me to get into CH7 versus CH13 (it was a $575 payment...ouch!!!) Without the payment, I would have been CH13 for sure. Now its time to get back to reality, get a decent running car with $100-$200 payment and establish some good credit.
FYI, the car was great to "aide" me to get into CH7 versus CH13 (it was a $575 payment...ouch!!!) Without the payment, I would have been CH13 for sure. Now its time to get back to reality, get a decent running car with $100-$200 payment and establish some good credit.
Comment