I should be happy that we discharged yesterday, but I am freaking out about my car loan. We signed a reaffirmation agreement on it. When I went in a couple weeks ago and paid it, I would have only had one payment left on it which I was going to make this payday. I struggled to do that because I was afraid that my reaffirmation wouldn't go through as my last day for objections had already passed. When I made the payment suddenly my balance increased by over $700. I called the bank and we went round and round because she had given me the balance before and confirmed that it was the balance before, and then said the balance grew because of interest added to it for the last two months. My interest rate was 6% and she kept telling me that 6% WAS $700 for two months on a balance that was $3000 a couple months prior. First of all the figures are absurd, second the explanation didn't make any sense. So, they wouldn't budge at all and kept telling me they would have a loan officer call me back to explain it to me. The loan officers wouldn't take my calls because it was in bankruptcy, and of course they technically couldn't call me.
I called my attorney and she was going to contact them and try to get it resolved. She tried for a couple days and they kept doing the same thing they did to me for weeks and transferring her to a number that went straight to a mailbox. I gave her the direct number to the collections lady I spoke with and she was going to try and get ahold of her.
Now I have dishcarged and my reaffirmation agreement has never been entered in the case. My other reaffirmation was entered but not the one for the car. I am almost $800 short to pay it off right now and I am terrified they are going to come pick it up. When I started the BK we only owed $4000 on a car that was worth $8000. I have paid $3400 of that off and now they are saying we still owe them about $1450. I have no idea what to do now. I am going to go into hysterics if we have thrown away $3400 and they come repo my car. It is current, and in fact it is ahead. Technically no payment is due until October. I don't want to call them and make things worse. I cannot get ahold of my attorney and haven't been able to for a couple days. I ddn't want to NOT call and have them show up to pick up my car. I have no idea how I am going to transport our family of six with no car and no real money for a downpayment. I used everything that might have been available to try and pay off this one. I am going to be even more devastated if they pick up my car and sell it for $5000 more than what is owed on it and we are just out that money.
It is a pretty small credit union a couple states away and most of their employees don't seem to know or understand anything about bankruptcy. They don't actually have a bankrupcty department. I feel like our vehicle situation is a complete disaster right now. My husband needs a car before it gets too cold as well because he can only ride a bike the 10 miles to work for so long in Colorado. I should never have paid all that money on the car without knowing it was going to work out and now I feel like a failure. Does anyone have any ideas as to what I should do now?
I called my attorney and she was going to contact them and try to get it resolved. She tried for a couple days and they kept doing the same thing they did to me for weeks and transferring her to a number that went straight to a mailbox. I gave her the direct number to the collections lady I spoke with and she was going to try and get ahold of her.
Now I have dishcarged and my reaffirmation agreement has never been entered in the case. My other reaffirmation was entered but not the one for the car. I am almost $800 short to pay it off right now and I am terrified they are going to come pick it up. When I started the BK we only owed $4000 on a car that was worth $8000. I have paid $3400 of that off and now they are saying we still owe them about $1450. I have no idea what to do now. I am going to go into hysterics if we have thrown away $3400 and they come repo my car. It is current, and in fact it is ahead. Technically no payment is due until October. I don't want to call them and make things worse. I cannot get ahold of my attorney and haven't been able to for a couple days. I ddn't want to NOT call and have them show up to pick up my car. I have no idea how I am going to transport our family of six with no car and no real money for a downpayment. I used everything that might have been available to try and pay off this one. I am going to be even more devastated if they pick up my car and sell it for $5000 more than what is owed on it and we are just out that money.
It is a pretty small credit union a couple states away and most of their employees don't seem to know or understand anything about bankruptcy. They don't actually have a bankrupcty department. I feel like our vehicle situation is a complete disaster right now. My husband needs a car before it gets too cold as well because he can only ride a bike the 10 miles to work for so long in Colorado. I should never have paid all that money on the car without knowing it was going to work out and now I feel like a failure. Does anyone have any ideas as to what I should do now?
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