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Question about a bill from finance company after auction on vehicle surrendered in bk

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    Question about a bill from finance company after auction on vehicle surrendered in bk

    My BK discharged in late November 2010. I had 2 vehicles with loans and reaffirmed only one, within a month of discharge Alphera financial services and I arranged for them to pick the vehicle back.

    It has been about a month 1/11 and I just received a bill from them post auction stating that I owe them the difference between the loan balance and the auction sale price.

    Was I mistaken to understand the debt as discharged? Is Alphera in the wrong to have sent me this?

    I know someone here can help, my atty was great during the process but has gone dark since discharge!

    #2
    Any deficient loan balance is discharged in the bankruptcy. You didn't sign anything with them when turning over the vehicle, did you?
    Ch 13 filed 06/22/09. Dismissed,thankfully, 03/31/10. Ch 7 filed 06/28/10. 341 07/29/10. UST POA 08/06/10. UST mot to dismiss hearing extended to Dec...Feb...March...May...Aug. UST withdrawal of dismissal filed 05/31! DISCHARGED 07/12/2011!

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