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    #1

    Car payment late?

    My car payment was due on the 13th. I received the reaffirmation paperwork on the 10th. It stated I had was to mail payments to a PO BOX. So on the 11th I put the check in the mail and guess what Mazda still hasn't cashed the check.

    I got an email from them yesterday stating the account is past due. I few hours later I got an email stating to disregard that email.

    I called them to see what the holdup is with the check. The rep stated that it hasn't been applied to my account yet and if I wanted I could make a phone payment. I don't want to pay them twice (if I don't have too). I hope they are not trying to pull any funny business and say that b/c I paid late they are coming for the car.

    Does anyone think it would be ok if I waited till Friday to see if my check clears and if not I'll place a stop payment and pay over the phone? They won't come for the car being 13 days late, will they?

    I did turn the reaffirmation paper work over to my attorney at the 341 meeting last week.

    Thanks!
    "I DECLARE BANKRUPTCY!" Ch 7 Filed 7/15/11 * 3 Minute 341 8/19/11 * Discharged 10/20/11
    Tags: None
    #2
    Freddy you sound like me!!! And that ain't good! :-)

    If you have proof that you made the payment, you made the payment, but I'd run it by the atty anyway. Who knows what they're doing - why make a payment by phone when they have your check...

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      #3
      Originally posted by IamOld View Post
      Freddy you sound like me!!! And that ain't good! :-)

      If you have proof that you made the payment, you made the payment, but I'd run it by the atty anyway. Who knows what they're doing - why make a payment by phone when they have your check...
      LOL

      I called them again and she said sometimes checks go into a "holding acct" for a few days due to the BK but if it's not applied to my account by Friday I'll be ok to pay over the phone.

      I was just concerned if the check is lost or if the other attorney gave me the wrong address or something. I'll place a stop payment on it Friday if it hasn't cleared yet.
      "I DECLARE BANKRUPTCY!" Ch 7 Filed 7/15/11 * 3 Minute 341 8/19/11 * Discharged 10/20/11

      Comment

        #4
        Hello Freddy - holding account - wow - such BS ain't it? If you pay them over the phone, tell them that you put a stop on the original check...else you can bet that you'll be paying twice!!!!

        Comment

          #5
          Originally posted by Freddy03 View Post
          They won't come for the car being 13 days late, will they?
          If they do they will be in violation of the automatic stay. They have to petition the court for a relief from automatic stay or wait for the discharge. I think your car is safe.
          LadyInTheRed is in the black!
          Filed Chap 13 April 2010. Discharged May 2015.
          $143,000 in debt discharged for $36,500, including attorneys fees. Money well spent!

          Comment

            #6
            You are fine, unless the stay is lifted. No worries.

            Sometimes, the left cubicle does not know what the right cubicle is doing. I received a repo notice two months after paying off a vehicle and two weeks after receiving the title and lien release in the mail.

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