Reaffirmation quandry - car loan with Chase Auto?

[happy_ira]

My bankruptcy case is moving along, and I have three debts that I was planning on reaffirming (2 are mortgages, 1 is a car loan). For the car loan, my attorney had initially recommended not affirming anything unless asked by the bank.

Well, now the bank has sent paperwork about reaffirming. Does anyone have any experience with Chase Auto Finance on reaffirming vs ride through? Chase AUto Finance has been accepting my payments all along (I *push* payment with electronic txfr via bank/online), so I am current on payments. ALSO, my wife is listed as a co-borrower and she did *not* file the Ch 7 (I filed individually), so I would think that even if I tossed the reaffirmation papers in the trash can, they can;t come and pick up the car since she is listed on the loan as well.

Any thoughts? I would prefer not to sign the reaffirmation papers if I don't have to. Any comments?

[TEW]

I think you’re right IRA I personally would not reaffirm anything. Your wife is on the loan with you and the loan is in good standing why bother.
JMHO

[danaf]

Don't reaffirm. I have posted so many times about why not to. Look up some of my posts.

[TEW]

I have too danaf

[laurannm]

I also have Chase Auto and we were just discharged/closed almost 2 weeks ago. They never sent any reaffirm paperwork over and we are doing a ride-through. I also push my payments via my online banking and so far so good...not a peep from them.