Ok we had the 341 Feb 16th, everything went well.
Im asking for advice on this situation so everyone chime in with opinions if you like I do appreciate it.
We have an RV, CC, and car loan through Kemba Credit union in Ohio. (Its through wifes work)
A little run down. We owe 2800.00 on car, 4800.00 on CC, and 12,000.00 on RV.
The car will be paid off in October is a good car, so we want to keep it. The RV is a loan taken out in July 2009. (we want to just do a pay through to keep it) The credit union of course has cross collateral on the 3 loans.
So we want to keep the car and RV and would like to keep in good graces with the credit union.
What would you do in this situation?
Do you think the Creidt union will just accept a paythrough for the above RV and car? (anyone ever deal with Kemba and do a pay through with them?)
We were told not to contact the credit union any more (I did call in a payment for the RV a few weeks ago, and did tell them at that time that we did want to keep everything and keep in their good graces and of course they asked if we would reaffirm I said yes, but only after the discharge will we reaffirm the RV and CC, the rep said ok. (But now I have changed my mind about reaffirming, after reading this forum.) Im not going to reaffirm anything with them, they dont know this yet. ( I didnt know that you dont reaffirm after the discharge, I dont think the rep knew this either as he didnt say anything. And he actually said he would talk with his higer ups and ask them to keep the CC account open and reissue cards for the account, I asked if he could do this for us)
This rasies another question, how do we go about talking with the credit union to negotiate this and when do we contact them if we were told not to talk to them. Do we wait until after discharge?
I guess after kind of explaining what our situation is; what would you do in this situation?
Sorry for the long meandering post.
Im asking for advice on this situation so everyone chime in with opinions if you like I do appreciate it.
We have an RV, CC, and car loan through Kemba Credit union in Ohio. (Its through wifes work)
A little run down. We owe 2800.00 on car, 4800.00 on CC, and 12,000.00 on RV.
The car will be paid off in October is a good car, so we want to keep it. The RV is a loan taken out in July 2009. (we want to just do a pay through to keep it) The credit union of course has cross collateral on the 3 loans.
So we want to keep the car and RV and would like to keep in good graces with the credit union.
What would you do in this situation?
Do you think the Creidt union will just accept a paythrough for the above RV and car? (anyone ever deal with Kemba and do a pay through with them?)
We were told not to contact the credit union any more (I did call in a payment for the RV a few weeks ago, and did tell them at that time that we did want to keep everything and keep in their good graces and of course they asked if we would reaffirm I said yes, but only after the discharge will we reaffirm the RV and CC, the rep said ok. (But now I have changed my mind about reaffirming, after reading this forum.) Im not going to reaffirm anything with them, they dont know this yet. ( I didnt know that you dont reaffirm after the discharge, I dont think the rep knew this either as he didnt say anything. And he actually said he would talk with his higer ups and ask them to keep the CC account open and reissue cards for the account, I asked if he could do this for us)
This rasies another question, how do we go about talking with the credit union to negotiate this and when do we contact them if we were told not to talk to them. Do we wait until after discharge?
I guess after kind of explaining what our situation is; what would you do in this situation?
Sorry for the long meandering post.