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?
Note: have only made two payments since June
Why throw away 10k?