http://ficoforums.myfico.com/t5/Bankruptcy/My-car-after-bankruptcy/m-p/1763924#M10883 If you surrender it, it doesn't look as bad on your credit report. I would surrender rather than wait for them for repo. Sun, 23 Dec 2012 04:12:16 GMT MovingForward_2012 2012-12-23T04:12:16Z http://ficoforums.myfico.com/t5/Bankruptcy/My-car-after-bankruptcy/m-p/1748060#M10809 <p>When I filed for bankruptcy I included my car (2003 ford) and did not reaffirm. Paid for a few months and then stopped due to wanting to save up for an emergency fund and just start saving. Im aware if they repo it, it will not affect me because I did not reaffirm. I will be okay if they do since I live outside of the city but very good public transportation til I save up for another car or get another one. My question is they have not called or sent letter as far as collections at all. I bought the car way overpriced in 2009 from a car dealership with a 2 year warranty and paid with principal, interest, minus trade in for about $12K (very bad decision). I have paid thus far about $10k on it.. What should I do? wait til they call / repo or call them to get it?</p><p> </p><p>Note: have only made two payments since June</p><p> </p> Thu, 13 Dec 2012 01:26:01 GMT http://ficoforums.myfico.com/t5/Bankruptcy/My-car-after-bankruptcy/m-p/1748060#M10809 buyingahouse2015 2012-12-13T01:26:01Z http://ficoforums.myfico.com/t5/Bankruptcy/My-car-after-bankruptcy/m-p/1748474#M10812 <p>Why throw away 10k?</p> Thu, 13 Dec 2012 06:21:42 GMT http://ficoforums.myfico.com/t5/Bankruptcy/My-car-after-bankruptcy/m-p/1748474#M10812 ihatemyscore 2012-12-13T06:21:42Z http://ficoforums.myfico.com/t5/Bankruptcy/My-car-after-bankruptcy/m-p/1763924#M10883 If you surrender it, it doesn't look as bad on your credit report. I would surrender rather than wait for them for repo. Sun, 23 Dec 2012 04:12:16 GMT http://ficoforums.myfico.com/t5/Bankruptcy/My-car-after-bankruptcy/m-p/1763924#M10883 MovingForward_2012 2012-12-23T04:12:16Z