ok...so as i've said before on a different topic...i had filed a chap 13 in 2006 that was dismissed. i had a car loan with cap one that was put on there..i was able to bring acct current after dismissal and have been paying on the car ever since. i was not aware that cap one had listed the account as charged off and have not been reporting ANYTHING to the credit bureaus....now i just filed a chap 7 july 30th. on my statement of intention i put to retain and pay. saturday i got a re-affirmation agreement in the mail from cap one. i really dont want to sign it. ok..i got the car brand new in 2005 nissan altima..i have about 18 months left to pay on it still. in the last couple of months the check engine light has been on...and i still dont know what all that is about. i was thinking of continuing to pay on it and then after i get my discharge maybe go and see if i can find something else? that engine light makes me nervous. my pmt is 441.00 per month on that thing. i was wondering though...say 3 months from now it breaks down and is really expensive to repair(engine) could i call cap one and tell them to come pick it up and not be charged any deficiency balance or have them report anything negative on my credit report? since i wont be signing the re-affirmation agreement? i just dont know what to do..i mean i know im not going to surrender it because it is my only source of transpo to get me to work so i have to continue to pay on it im just wondering if i should need to unload it in the future what if any problems will this cause.....sorry for the long post! thanks! u guys have really been great. 
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