I am new to this board and I apologize if this has already been asked before. We filed Chpt 7 in Nov and had our meeting of creditors on 12/3. The bank that my vehicle is financed with wants us to sign a reaffirmation, but I just want to let the vehicle go back because we are upside down majorly. My question is if we surrender the car and we have someone that will let us buy a cheap car through them can we or do we have to wait until the bankruptcy is discharged? It is a used car dealership and they do not report any of it because it is all done through their office, but I am worried about buying the tag and putting them as a lien holder. I am not trying to pull a fast one. I just need to get out from under my current situation, but I have to have a vehicle to get to work.
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what did you put on your petition? to reaffirm or surrender?Filed Jan 23rd, 2009
341 meeting--February 24th--Went smooth
:yahoo::yahoo:
Discharged may 12th--had to call the court clerk!!:clapping::yahoo::yahoo:: -
I guess we put to reaffirm because at the time we were not going to surrender. We were not behind on payments and the bank decided to file a relief from stay. we could not figure out why and neither could our attorney since we were current. We did not pay Dec payment because of the petition for the relief from stay. We figured if they are going to repossess while we are current then why keep paying. Our attorney talked to their attorney and they are suppose to send a reaffirmation but haven't. I don't know what to do and am not sure this bank can be trusted.Comment
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