Hi everyone I have a question I’ve been discharged from chapter 7 for a year. I did not reaffirm my car loan and have been paying on time if I stop and let them take vehicle back can they charge me with a repo
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They cannot if you did not reaffirm the loan. Did you file with an attorney? If so, then double check with them that you didn't sign a reaffirmation agreement. If you filed Pro Se, then you should know if you completed and signed a reaffirmation. If you didn't reaffirm the debt, then your personal liability to pay the loan was discharged when your case was discharged. If you didn't receive a discharge, then you are liable.
Chapter 7 (No Asset/Non-Consumer) Filed (Pro Se) 7/08 (converted from Chapter 13 - 2/10)
Status: (Auto) Discharged and Closed! 5/10
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Any advice provided is not legal advice, but simply the musings of a fellow bankrupt.
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