If I don't reaffirm my car, can I turn it in after discharge?

[JohnR1602]

Hello all,
If I don't reaffirm my car loan, can I turn it in after discharge without a 2nd ding to my credit? I'm asking because it seems it's alot easier to get finance for a cheaper car after discharge.

Need some help. Thanks.

[IBroke]

Hello all,
If I don't reaffirm my car loan, can I turn it in after discharge without a 2nd ding to my credit? I'm asking because it seems it's alot easier to get finance for a cheaper car after discharge.

Need some help. Thanks.

Of course. That's what many people do. You simply indicate on your petition that you want to surrender your car. The account will be reported as "included in bankruptcy - $0 balance". You can and should stop making payments after filing and save the money for your next ride. Won't affect the credit.