I am planning on filing CH 7 at the first of August 09. I have a about $25K of unsecured debt with BofA. I also have a truck that is financed with BofA that I am upside down on by about $3K. When I file Ch 7 (no asset case) do you think they will take the truck out of spite. It would make no sense for them to due to the fact that I owe more than it is worth and I am current on payment at the time of filing. What do you all think?
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Filed 9/01/2009
341 Scheduled for 10/29/2009 (Smooth
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Trustee Report of No Distributions 10/30/2009
Actual Discharge 1/12/2010
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My BK7 was discharged in July 2009. I also stuck BOA with large CC debt and had a never late upside down car loan with BOA. I never reafirmed the car loan and have continued to make on time payments. BOA continues to send me my monthly car loan stmt and I always pay at the local BOA bank. So, odds are that BOA will not try to take your car as long as you are current.
AlmostFree -
Ummmmm....AF, I'm assuming this is a typo, because unless you have fabulous ESP and incredible psychic abilities, July 2009 is next monthOriginally posted by AlmostFree View Post
I am not a lawyer and this is not legal advice nor a statement of the law - only a lawyer can provide those.
06/01/06 - Filed Ch 13
06/28/06 - 341 Meeting
07/18/06 - Confirmation Hearing - not confirmed, 3 objections
10/05/06 - Hearing to resolve 2 trustee objections
01/24/07 - Judge dismisses mortgage company objection
09/27/07 - Confirmed at last!
06/10/11 - Trustee confirms all payments made
08/10/11 - DISCHARGED !
10/02/11 - CASE CLOSED
Countdown: 60 months paid, 0 months to goComment
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July 2008Comment
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Well, I can't say I have never been late, but I am current. And after BK should be able to be on time every month and possibly be able to pay more than my basic payment.Filed 9/01/2009
341 Scheduled for 10/29/2009 (Smooth)
Trustee Report of No Distributions 10/30/2009
Actual Discharge 1/12/2010Comment
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