Here's what my lawyer says about my car

[aces67]

We have 9 days until discharge. I don't want to reaffirm my car but I'm fine with trying to do a ride thru on it.

My lawyer finally called me today and said that my auto lender has yet to extend an agreement. If they don't do it in the next 9 days then we can do a ride thru however IF they do extend an agreement than at that time our only choices are to sign the agreement or give the car back. There's no in between.

Sigh. Hopefully the next 9 days fly by and my auto lender forgets all about me.

[doingpoorly]

my lawyer said the same thing....if they send one we must sign it or surrender the item.....no ride thru's.

I am curious as to why some lawyers don't care if you sign and some are like ours and say we must sign if we get it.

Does anyone know, will the reaffirmation agreement be mailed to the lawyer or to us at our home?

[aces67]

my lawyer said the same thing....if they send one we must sign it or surrender the item.....no ride thru's.

I am curious as to why some lawyers don't care if you sign and some are like ours and say we must sign if we get it.

Does anyone know, will the reaffirmation agreement be mailed to the lawyer or to us at our home?

I wonder the same thing. My lawyer talked like the agreement would come straight to me but my mortgage agreement went to him and not me.

Edited to add: I just opened the mail and there's a letter from the finance company on dh's truck- which we did surrender- anyway they are holding it until 7/23 if we want it back. I'm going to see if dh will change his mind and keep the truck and let my car go back. I owe $24K on my car but only $8k on his truck and the letter says they will take $6K right now which I can get from my parents. Plus his truck note is only $450 a month my car note is $592!

[doingpoorly]

I wonder the same thing. My lawyer talked like the agreement would come straight to me but my mortgage agreement went to him and not me.

To bad the agreement won't come to my house. I have my mailbox about 3 miles from the house. (we live in the sticks) and it is constantly vandalized by teens. Most of my mail goes to a po box but I never gave that info to the mortgage company since I chose to get paperless billing. If it went to my house address I could always hope that I would never actually see the agreement. I am sure the attorney doesn't have such problems with his mail. If the agreement comes I suppose I will have to sign it.

[whipster1]

The re-aff is not mandatory. I would check some more cases in your area on PACER to see how many had re-affs. I know in my state TX they can't repo if you are current, re-aff or no re-aff. RIDING THROUGH, BABY!!

[aces67]

The re-aff is not mandatory. I would check some more cases in your area on PACER to see how many had re-affs. I know in my state TX they can't repo if you are current, re-aff or no re-aff. RIDING THROUGH, BABY!!

Really? I'm in Texas. So you're saying I don't have to sign?

[doingpoorly]

The re-aff is not mandatory. I would check some more cases in your area on PACER to see how many had re-affs. I know in my state TX they can't repo if you are current, re-aff or no re-aff. RIDING THROUGH, BABY!!

then what is with the attorneys saying that we would have to sign if it came....or is that a cya thing for them since you are supposed to reaffirm loans you intend to keep. Are they saying we have to reaffirm but they don't care what you do but they told you what your supposed to do?

[whipster1]

I think it depends on your state law. In TX if you are not behind they can't repo. FLA don't know.

[aljohnson007]

I live in FL and have a car loan with NMAC who advised they will not let me reaffirm unless I have an attorney (Ifiled Pro se) but as long as I keep current, nothing will happen.

[liz417]

Here in Calif you can do a "ride through", but you take the chance of the lender repo'ing your car EVEN IF YOU ARE CURRENT and don't reaffirm the loan. My attorney says that FMC (Ford) and Chrysler are notorious for this.

[RainMoM]

I live in FL and have a car loan with NMAC who advised they will not let me reaffirm unless I have an attorney (Ifiled Pro se) but as long as I keep current, nothing will happen.

what do you mean , " nothing will happen" ? does this mean you don't have to reaffirm ?

[cfgdag]

Does anyone know what the laws in Arizona are? Can a lender repo a car that isn't reaffirmed but kept current in payments?

[aljohnson007]

What I mean by "nothing will happen" is NMAC will not repo as long as the loan is kept current. I still get my discharge without it.

[OhioFiler]

Does anyone know what the laws in Arizona are? Can a lender repo a car that isn't reaffirmed but kept current in payments?

They can't repo it but they can syphon the gas and let the air out of the tires.

[Looking4ward]

I owe $24K on my car but only $8k on his truck and the letter says they will take $6K right now which I can get from my parents. Plus his truck note is only $450 a month my car note is $592!

That sounds like a really good deal, especially if you can get the money from your parents!