Credit Card Center Advertiser Disclosure

New Member
Posts: 4
Registered: ‎12-10-2012
0 Kudos

Car repo after Bankruptcy

I filed bankruptcy early last year and was discharged in June. I had a car loan that I did include in my bankruptcy but did not reaffirm the loan. Made some payments but was unable to continue. I was told that since I did not reaffirm the loan and the loan was included in the bk a repossession will not show up on my credit report. They stopped reporting my payments to the credit bureaus and did not call or send letters etc. My bk lawyer said I could call and have them come get the car or let them come get it because either way will not affect me. Yesterday they came to my job looking for the car but the car was actually home since I got a ride to work. The repo guy said there was a judgement issued for the car which I was not aware of at all but did tell him that he was more than welcome to pick up the car after I got home (was in the garage). I cleaned the car and parked outside today, but no one came. I am fine with losing the car, knew that I was not going to keep it but the judgement is surprising and worrisome. Can this judgement affect me even if the loan was discharged?

EQ 566 (12/12)
TRANS 576 (12/12)

GOAL: 700-720 across the board
Posts: 10,797
Registered: ‎03-06-2010
0 Kudos

Re: Car repo after Bankruptcy

They can't get a judgment on discharged debt. If in fact they did, then bring this to the attention of your attorney right away so he can get the judgment vacated for you. What slimeballs would put a judgment on you for discharged debt? I would rake them across the coals by taking them to court for a violation of the discharge injunction.

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.