Hi again everyone,
I have a question regarding the Reaffirmation Hearing. I filed pro-se and made it through my 341 meeting and my reaffirmation hearing is this Wednesday. Due to some family issues I have missed a lot of hours at work and can not miss anymore. I signed a contract to reaffirm my car but owe more then it's worth and am over a $150 in the negative on my Schedule J so I am really doubting now that the judge is going to let me reaffirm my truck. If it makes any difference my car is financed by a credit union. I am the co-signer on the car but the credit union knows I am the one "responsible" for the payments before reaffirming we talked and I explained that even if the Judge denied my reaffirmation( at the time I figured he wouldn't but I have heard since that the judge doesn't like reaffirmations) that I would continue to pay for the car even if I had to do under the other co-signer's name. They didn't seem to have a problem with that.
So my questions are:
Could I keep my car if I missing the hearing but continue to pay for it?
Can this hurt my co-signer?
Could missing the hearing prevent my bankruptcy from being discharged? TIA
I have a question regarding the Reaffirmation Hearing. I filed pro-se and made it through my 341 meeting and my reaffirmation hearing is this Wednesday. Due to some family issues I have missed a lot of hours at work and can not miss anymore. I signed a contract to reaffirm my car but owe more then it's worth and am over a $150 in the negative on my Schedule J so I am really doubting now that the judge is going to let me reaffirm my truck. If it makes any difference my car is financed by a credit union. I am the co-signer on the car but the credit union knows I am the one "responsible" for the payments before reaffirming we talked and I explained that even if the Judge denied my reaffirmation( at the time I figured he wouldn't but I have heard since that the judge doesn't like reaffirmations) that I would continue to pay for the car even if I had to do under the other co-signer's name. They didn't seem to have a problem with that.
So my questions are:
Could I keep my car if I missing the hearing but continue to pay for it?
Can this hurt my co-signer?
Could missing the hearing prevent my bankruptcy from being discharged? TIA
