anyone get to keep their car with a neg on sch J?

[B65]

Mine is -740 and we got our reaffirmation in for my car, lawyers office said it may be a prob as the sch J shows a negative...... I then said well if we pay ever month if the judge will not sign it... will they still take it and she said yes probably...?
great i will have to give up my job if they take my car....

B

[Keebler]

My Schedule J was negative and they held a hearing and refused to let me reaffirm my mortgage if you can believe that.

[Tbornetun]

It depends upon the district, the judge, etc. You will most likely have to prove that you will be able to make the payments.

[relief13035]

We are -900 on our schedule J and plan to keep both our vehicles if we are allowed. Since my 341 is tomorrow I guess I will have information to share regarding our vehicles soon. My husband has agreeed to surrender his truck if the trustee makes us give up one. I can't imagine them making us surrender both. How would I get to work???

[liz417]

My Schedule J was negative and they held a hearing and refused to let me reaffirm my mortgage if you can believe that.

Oh my gosh!! That's awful!

[ansky0007]

My Schedule J was negative and they held a hearing and refused to let me reaffirm my mortgage if you can believe that.

How negative were you?

[danaf]

Huh? OP, despite being neg on your schedules, if you don't reafirm and you still are able to pay your car note then NO - your car won't be taken from you. And yes, the judge probably won't approve the reaffirmation because that would be a hardship on you. Don't reaffirm, pay your car note and you keep your car. In the event something happens and you can't continue to pay, then yes, you loose your car but you don't owe anything. There are tons of threads on this issue. Read them. Having the car note helps you with your bk & schedules. Reaffirming does not help you.