Woo Hoo! I'm so excited we're over the last hurdle

[aces67]

A short recap of my problem. We initially filed a CH 7 in December of 2006. At that time we signed a reaffirmation agreement with HSBC on my Jeep. Then in 2007 the UST made us convert to a 13. Then in April of this year we converted back to a Ch 7 and were discharged.

We've been wanting to surrender the Jeep but HSBC said we couldn't b/c the reaffirmation was still legally binding. My lawyer sent them a letter explaining to them that once we converted to a 13 that voided the agreement and since they didn't send a new one for us to sign once we were back in a 7 that we aren't legally liable.

After 2 long tense weeks they finally called today and said that MY LAWYER IS RIGHT! We aren't legally liable. We've already got financing and will be buying a gently used much cheaper minivan this week and in the meantime I quit paying my Jeep note. It was $600 a month. I put the money in the savings account so I now have Christmas money! I'm so excited! THe only problem now is they want to repo on Thursday and dh won't be off to sign papers on the new van until Saturday.

But that was our last hurdle and I'm so glad we are finallly DONE!

[AngelinaCatHub]

GREAT for you guys. We had a good day too. Several discharges and our CLOSE!!!

Before Mrs. gets the champagne out, let's sneak in another Dance of Victory for all of us.

http://video.google.com/videoplay?docid=-3894301868978665655#

[Kingxray]

Did you say you were closed today? Congrats and yahoo!:

[aces67]

GREAT for you guys. We had a good day too. Several discharges and our CLOSE!!!

Before Mrs. gets the champagne out, let's sneak in another Dance of Victory for all of us.

http://video.google.com/videoplay?docid=-3894301868978665655#

Congrats to you also!!! I'd love champagne but I'm pregnant That's okay though I'm so excited even without it!

[ForTheBest]

Yowza! Hearty congratulations to all of you!!

[AngelinaCatHub]

Congrats to you also!!! I'd love champagne but I'm pregnant That's okay though I'm so excited even without it!

Could it be you are pregnant because of the champagne? LOL. Thank you. 'Hub

[aces67]

Could it be you are pregnant because of the champagne? LOL. Thank you. 'Hub

LOL! Well I got pregnant just a few days after our BK discharged so I'm guessing we celebrated too much already.

[whipster1]

Wow good news on every thread I read!

Congrats!

[liz417]

LOL! Well I got pregnant just a few days after our BK discharged so I'm guessing we celebrated too much already.

LOL!!! Oh boy....
Anyway, CONGRATS to you!!

[music12]

LOL!!! Oh boy....

or girl!

[maddog2112]

Way to hang in there Aces!! Good luck to you and thanks for all your help with posts. All the best to you and your family!

[frogger]

Congratulations!

[aces67]

Thanks everyone! We were able to get me a good used minivan today at 12.9% through Chase. The finance manager said that's great considering we're post BK! I know it's a good rate considering our credit. We're very pleased!