That is so nice of you.....thank you so much.....I'm out in CO with no family trying to do this....My only support is my BF....hardley any friends It is hard....my family is in PA and they know nothing of BK. Thank you so much....
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filed June 12,09
341 July 20,09
deadline to object Sept 18,09 -
I just wanted to share my experience...
I was financed through Nat City.... stopped making payments in July 08 per my Lawyer.
Discharged on 4-17-09 from my chapter 7 bk - truck was surrendered in the bk.
May 09 rolls around (last month). I called Nat City and told them Im sick of looking @ the truck and want it GONE. Ive called them several times before this trying to get them to come pick it up, or give me a place to drop it off to no avail.
The representative from Nat City goes "Sure thing sir. We will gladly come get it in the next 3-4 days. First, would you like to make an offer to keep the truck? We dont really want it back, it will probably only yield 2 or 3 thousand at auction and you owe 14 thousand on it"
I said "wwhaat? I surrendered it. Let me call my lawyer". Called the lawyer, they said make a lowball offer and that it was perfectly ok to do so, after I was discharged (and I was).
I owed $14,000 on the Envoy. Offered the bank $2,000. Guess who accepted the offer and guess who has a beautiful SUV with a new lien-less title?
Moral of the story - good things come to those who wait. It might take them a while to come and get it, or if you like the vehicle - post discharge - make a lowball offer to the bank. Its legal, and you might be surprised....Retained bk7 laywer 8-12-08, Filed 12-22, 341 Meeting Scheduled 1-29-09
Discharged 4-17-09!!!
Reason for filing: Medical, NOT irresponsibility with credit.
"Sometimes you have to fall before you fly"Comment
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Wow!! That's great and for only 2k!!!Originally posted by Intoodeep80 View PostI just wanted to share my experience...
May 09 rolls around (last month). I called Nat City and told them Im sick of I owed $14,000 on the Envoy. Offered the bank $2,000. Guess who accepted the offer and guess who has a beautiful SUV with a new lien-less title?
Moral of the story - good things come to those who wait. It might take them a while to come and get it, or if you like the vehicle - post discharge - make a lowball offer to the bank. Its legal, and you might be surprised....
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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That worked out for you...filed June 12,09
341 July 20,09
deadline to object Sept 18,09Comment
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