What am I to do?

[aces67]

I would just keep driving it. It sounds like they aren't interested in it.

[jtowson42]

Congratulation on your discharge, I want to wish you all the best. As for keeping the car I really don’t want it and just want them to come and get it and don’t know what to do.

[Calthius]

Wow! When was the last time you made a payment on the van?

The last payment was made on the van in April. I called them in May right after we filed to make arrangements to return the van because I wanted to drop the insurance on it.

I was told that they had to do a valuation on the van first and to call back in a week. When I called back they told me they weren't going to come out and pick it up. That sometimes it is better for them not to take the vehicles because of the cost involved in it.

[Amy26]

Well have you called them since May? Get on the horn!! Start harassing them...be like a creditor usually is to the consumer... hound them. If you really want it gone, then call them constantly. Haggle with them... do as someone else suggested and say if you don't come pick it up then I want the title. Be Aggressive B E Aggressive...

[Calthius]

1

[pookieny]

The last payment was made on the van in April. I called them in May right after we filed to make arrangements to return the van because I wanted to drop the insurance on it.

I was told that they had to do a valuation on the van first and to call back in a week. When I called back they told me they weren't going to come out and pick it up. That sometimes it is better for them not to take the vehicles because of the cost involved in it.

That would be my dream scenerio, but I have a 2005 Toyota and I think they would want that back.

[jtowson42]

Well my story finally came to an end. I had to call there bankrupt office just to get the ball rolling. a few days passed then got a letter in the mail stating, "NOTICE OF NON-ACCEPTANCE OF VALUNTARY SURRENDER" I guess the car is mine now..

[Amy26]

Non acceptance? So are they sending you the title then?

[jtowson42]

Yes they should be sending the title any day now. I feel kind of bad but i've been trying to get them to pick the car up for 3 months.

[notforsale]

Count this as a blessing! Enjoy your ride!!!!

[BrokeMan]

Statement of Intent (not reaffirmed)

jtowsen42: I have a question for you.

I have a similar situation with a Chap 7 Bankruptcy and a vehicle that was included. I did *not* sign a reaffirmation agreement, but our hope at the time was that we would keep it and continue to make payments.

Well, long story short, we can't afford the vehicle and we were going to arrange for them to come pick it up. This is an older car, and the bank once told me on the phone that this isn't the type of vehicle they typically want to pick up.

My question is this: In my bankruptcy, there was a "statement of intent" with this loan where we stated we intended to make payments and keep the vehicle. But again, there is NO reaffirmation of this debt. Does this increase my chances that they won't just come and take the vehicle back and they may take different action against us?

My thought is that without the reaffirmation they really cant do anything BUT pick up the car... or as in jtowsen42's case, just give the title (which would be awesome, but I doubt it)