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    I had my meeting today and it went very smooth. Still very unnerving to go through.
    Question? How soon do I need to notify the finance co. for my car as to reaffirmation or not. If I don't reaffirm will they pick it up immediately or only after the discharge?

    Thanks!

    #2
    If you decide to reaffirm, a reaffirmation agreement must be filed before you are discharged. So, you need to have the finance company send you an agreement in time to get it signed and filed before discharge.

    But, based on another post, it sounds like you decided not to reaffirm, in which case you don't need to do anything. They would have to get a relief from automatic stay to repossess the car before discharge. They are not likely to go to the trouble.
    LadyInTheRed is in the black!
    Filed Chap 13 April 2010. Discharged May 2015.
    $143,000 in debt discharged for $36,500, including attorneys fees. Money well spent!

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