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    #1

    Ride through question

    When you do a ride through are you supposed to continue paying during the time period after you file and are awaiting 341/discharge?

    The reason I ask is, I dont think Im gonna be able to get any kind of ride (car) until october, but they may very well ask for my car back at the 341 in a few days. I was current on the payments before I filed, but have missed one since filing. I might be able to scrape some money together to make the payment as I cannot live without a car, but isnt it a no-no to pay your blls during the process? If you are supposed to pay during the process then is a ride through o longer an option for me being that ive missed a payment?

    Ive looked all over the internet and cannot find answers to these specific questions.
    Not only am I not a lawyer, the California BAR association has sent me numerous letters telling me not to even THINK about going to law school. In fact, the lay advice I provide is not even good. In the end remember, you get what you pay for, and here in BK land were not the best at paying.
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    #2
    For property you are keeping (car/house) you are suppose to make the payments through the filing process. THey can't mail you a bill though because of the stay so you have to be proactive about it.
    May 31st, 2007: Petition Filed by my lawyer
    July 2nd, 2007: 341 Meeting Held
    September 4th, 2007: Discharged and Closed.

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      #3
      If you plan on keeping it you have to be current on the payment. And you keep paying it every month.

      Originally posted by Priceless ProSe View Post
      When you do a ride through are you supposed to continue paying during the time period after you file and are awaiting 341/discharge?

      The reason I ask is, I dont think Im gonna be able to get any kind of ride (car) until october, but they may very well ask for my car back at the 341 in a few days. I was current on the payments before I filed, but have missed one since filing. I might be able to scrape some money together to make the payment as I cannot live without a car, but isnt it a no-no to pay your blls during the process? If you are supposed to pay during the process then is a ride through o longer an option for me being that ive missed a payment?

      Ive looked all over the internet and cannot find answers to these specific questions.

      Comment

        #4
        I was late a during the time from my 341 to discharge. I survived...they didn't ask for my vehicle back. I did make a payment during the month it was due though so it was never 30 days late (not that it matter, I don't know!). At the time of my 341 I was about 20 days late and they did not show up nor did they file an objection. My discharge was yesterday so now I know I have to definitely keep current!

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          #5
          Keep the payment up and on-time as much as possible. However, keep in mind that with the gas prices now, it is a buyer's market for vehicles--especially larger gas guzzlers. What the lending companies might have demanded repossession of a year ago, may not be true today. I was listening to a somewhat similar discussion on the Clark Howard radio show on the way home from work. Check out his website: clarkhoward.com. He is a consumer advocate.
          "To go bravely forward is to invite a miracle."

          "Worry is the darkroom where negatives are formed."

          Comment

            #6
            Originally posted by AngelinaCat View Post
            Keep the payment up and on-time as much as possible. However, keep in mind that with the gas prices now, it is a buyer's market for vehicles--especially larger gas guzzlers. What the lending companies might have demanded repossession of a year ago, may not be true today. I was listening to a somewhat similar discussion on the Clark Howard radio show on the way home from work. Check out his website: clarkhoward.com. He is a consumer advocate.
            Great advice, I used to listen to Clark Howard on KFI 640 (In SoCal).

            ~Liz
            May 2008 Hired 1st Attorney/Stopped paying CCs
            May 21, 2009 Retained 2nd Attorney
            May 28th - Filed for Ch 7 (FINALLY!)
            9/11/09 - DISCHARGED!!!!

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