09-05-2012 11:58 PM
09-09-2012 06:32 AM
What does your attorney say? Mine was happy to sue creditors where damages could be recovered, on a contingent fee basis. If you're saying the repoed three days early because the discharge wasn't granted until the 4th, that's probably the creditor being aggressive but not a big damage award.
09-09-2012 06:50 AM
from being in the repo business for many years, its not an illegal repo to repossess a car involved in a bk unless you make contact with the debtor. I personally repossesed many vehicles that were involved with chapter 7's.
09-09-2012 06:57 AM
The original post is a bit unclear, apparently the lender filed to lift the stay, if the stay was lifted it's not illegal. I believe the discharge on 9/4 ended the stay. So if their motion to lift the stay wasn't granted the repo might have been three days early and technically illegal, but unlikely to draw any useful sanction.
09-10-2012 02:28 AM
09-10-2012 12:12 PM
One of the best possible outcomes of a bad situation. Now that you've got that behind you. Time to pick yourself up and start rebuilding. Good Luck!
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on myFICO.com). 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.