proof of claim on Pacer

[albacore44]

hi,

Found a proof of claim on Pacer filed by GMAC on 2/25/10. there were copies of my Loan docs, and title also.

not sure what this means if anything. could they possibly be wanting me to Re-affirm ?? I am riding through, but plan on returning the vehicle after discharge.

They were the only one's to file a claim. nothing else in the claims register.

[bobbyquefour]

Yeah isn't a proof of claim only possible for a secured debt which, in your case, would be the car?

Also, a proof of claim is not the same as a general creditor objection, is it? Or is it a creditor objection to the discharge of a secured debt?

What did your attorney say about your car?

[albacore44]

Yeah isn't a proof of claim only possible for a secured debt which, in your case, would be the car?

Also, a proof of claim is not the same as a general creditor objection, is it? Or is it a creditor objection to the discharge of a secured debt?

What did your attorney say about your car?

He dident say. It did say a copy had been mailed to my Attorney.it was posted 2 weeks prior to my 341

[justbroke]

Many secured creditors will file claims in a Chapter 7. Mostly in case you are surrendering and there's a deficiency and there are assets to administer. It also establishes that they have standing by showing the loan docs, assignments, etc.

Even some unsecured creditors will file claims in a no-asset Chapter 7 just because they don't know when/if it will change to an asset case. Mostly just to stay ahead of the game. I don't usually worry about claims unless it's an asset case. Then I suggest that you police them.