Reaffirm auto loan question

[happy_ira]

In simple English: Can a company who lent you money for a car deny your reaffirmation?

I have been 'current' on my auto loan with Chase Auto Finance (short history prior to filing bankruptcy, and the used car was financed/loaned a month prior to bankruptcy). My attorney said I should simply request the reaffirmation agreement from Chase and fill it out; it's just a matter of paperwork.

I can't think of a reason why Chase would want to deny reaffirmation and take my used car. Anyone?

One added point: while only I am filing Ch7, my wife is not. She is listed as a co-signor on the loan. So, correct me if I am wrong, even if I fly off to Aruba for the next 20 years, they'll hunt her down and make her pay.

Any thoughts?

[downwardspiral]

They can, but it's not to their benefit. I've never heard of a company not accepting a reaffirmation...as long as the payments are up to date.

[happy_ira]

They can, but it's not to their benefit. I've never heard of a company not accepting a reaffirmation...as long as the payments are up to date.

Just continuing on the theoretical... let's assume a company was to deny a reaffirmation, but the loan had a co-borrower. Would it even matter?! Just because they denied the reaffirmation, I would think the co-borrower woudl still be on the hook.