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Meeting of Creditors tomorrow and my 2 car loans suddenly show a ZERO balance?!?!?

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    Meeting of Creditors tomorrow and my 2 car loans suddenly show a ZERO balance?!?!?

    I was not worried about anything, we're doing a 13 since our income is too high, already had a forclosure on our home and our meeting is at 10am tomorrow.
    So I went online getting ready to make my May 1 car payment with USAA for one of our two open car loans for veh's that we are keeping, and the loans are GONE!!! What is going on? Now I am freaking out!!!!
    We were told our payment was going to be like $143 a month for the next 5 years. There is NO WAY that I am misinformed and my two car payments are INCLUDED in that right?? That can't be! So where are my loans?? We weren't putting the vehs into the plan I didn't think, we just planned on continuing to pay them as usual for the next 5 years. Of course I find this all out at Midnight so the bank is closed and my attorney isn't avail. So much for sleeping tonight. Do I have to worry about someone taking my cars from me?? Any help/ideas would be greatly appreciated. Thank you!

    #2
    Hi yeah,
    Breathe. Again. Ok....
    There are tons of posts from folks here who have found that online access has been closed once they are in bk. Sometimes they get it restored, and sometimes they have to go thru a special bk dept or other way of getting their payments.
    They aren't going to take your cars tomorrow.
    Get some sleep, and give them a call in the morning. Everything will be fine
    Good luck.

    Keep On Smilin'

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      #3
      No this is different. I lost online access about a year ago. USAA doesn't play around. But it's always allowed me "mobile" access which shows the balance of my loan. Now they are suddenly just gone, and it says "car loans balance owed" zero. I wouldn't think they can arbitrarily just close out a loan but we've already defaulted on the mortg, line of credit, a 2010 truck that we turned back in last year and 2 rather large credit cards. These two cars were the last things to tie us to them LOL. It's almost like they are just trying to mess with me before my meeting ;)

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