Incurring debt while in a Ch 13

[oldrocker]

I'm a little confused. I'm in a 13, and my understanding is that reaffirmation applies to Chapt 7 only. If you are in a 13, you simply keep paying your secured debt to retain it.

I remember that 3 years ago, when we filed, the question came up by one of our creditors, and my attorney said reaffirmation applied to Chapt 7 only.......

Yeah my lawyer told us the same, that reaffirmation is a chap 7 concept.

[Nicollette]

You are right, I wouldn't stay in a car that was nickel and diming me and breaking my budget every month. Maybe your attorney doesn't want to have to file paperwork/ask the Trustee for permission. I would ask my attorney straight out. Did you reaffirm to car?? If not, you may be off the hook...

Good Luck!

I found out today that I didn't reaffirm on my car. So how would I be off the hook?