Hi,
I filed and was discharged almost 2 years ago in 2018. I had 2 car loans at the time USAA would not reaffirm, so I agreed to turn both the cars over to them. They came and took the newer 2010 car, but did not take the 2004 car. When I called them, they said that it would cost them more to collect than it was worth, and they weren't going to take it. Well, I have been registering it every year and paying for maintenance, but I can't get my title. I was told I could pay the outstanding loan in full to get it or just drive it. Now, I can't move states, I can't give it to my kid, I can't even scrap it. Is it right for the debt to be relieved, and then when I offered the property back they didn't take it, but hold the title hostage on debt that is forgive? I have been just letting it ride as the car is still in relatively good shape, but hate having this hang out in the wind. What are your thoughts? Sadly, the lawyer I used retired and isn't answering emails anymore. Oh, and of course, USAA decided to stop doing business with me at that time too. Totally understandable.
Thanks,
JenniferM
I filed and was discharged almost 2 years ago in 2018. I had 2 car loans at the time USAA would not reaffirm, so I agreed to turn both the cars over to them. They came and took the newer 2010 car, but did not take the 2004 car. When I called them, they said that it would cost them more to collect than it was worth, and they weren't going to take it. Well, I have been registering it every year and paying for maintenance, but I can't get my title. I was told I could pay the outstanding loan in full to get it or just drive it. Now, I can't move states, I can't give it to my kid, I can't even scrap it. Is it right for the debt to be relieved, and then when I offered the property back they didn't take it, but hold the title hostage on debt that is forgive? I have been just letting it ride as the car is still in relatively good shape, but hate having this hang out in the wind. What are your thoughts? Sadly, the lawyer I used retired and isn't answering emails anymore. Oh, and of course, USAA decided to stop doing business with me at that time too. Totally understandable.
Thanks,
JenniferM
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