filed chapter 7 and discharged and now repoing car

[0REDSOX7]

If you have your discharge, then dispute it with the three CBs. You may have to upload a copy of your petition schedule with it listed - but you should have no issue getting it fixed.

With that said - you can go ahead and surrender without it fixed if you want (it's not mandatory) because if they do botch it and say it was a voluntary repo, you can hire a consumer finance attorney to fix it as it is a violation of the BK discharge order. (This would cost you zero because your attorney's fees would be paid by the creditor and you'd get $1000).

[Anonymous]

Thanks for the reply. I will just surrender it and see my credit report after a month and see what it will say. I will dispute it or call my bankruptcy attorney if anything else appears on it.

[Anonymous]

Double post..

[0REDSOX7]

Good call. Good luck.

It was stressful for me - since one of the cars had damage and never knew if they would come after me to get it fixed. Thankfully, that never happened.

Keep us posted.

[Anonymous]

Here is the update.

The lender had a recovery tow came and tow my car on August 7. Fast forward to today, I just received a email alert from Experian that says: Credit Acceptance Corp has flagged your account as Chapter 7 Bankruptcy Discharged. Below the alert it also says, Payment Status Balance: Chapter 7 Bankruptcy Discharged 8/14/14 $0. So would this pretty much say I am not reliable for any left over or don't owe anything no more?

[ezdriver]

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@Anonymous wrote:

Here is the update.

The lender had a recovery tow came and tow my car on August 7. Fast forward to today, I just received a email alert from Experian that says: Credit Acceptance Corp has flagged your account as Chapter 7 Bankruptcy Discharged. Below the alert it also says, Payment Status Balance: Chapter 7 Bankruptcy Discharged 8/14/14 $0. So would this pretty much say I am not reliable for any left over or don't owe anything no more?

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I think you mean LIABLE ... and no, you are not liable for any debt discharged in a bankruptcy case.

[Anonymous]

Lol what the heck.. should of double checked my spelling. Good to know i wont be hook with any of the left over debt.

[Taoron]

I had my car repo'd last year, before my bankruptcy.  It was just a really bad loan I got into and even though I was paying $330+ /mn the balance never went down.  They were charging 25% APR at least on that car loan.

Not exactly the best loan, and I would never buy a car with an APR like that again.  Horrible horrible horrible.

[Anonymous]

25% is too much.. even though mines was only 17% the car was worth a lot less then what i owe. My father in law is signing my next car.. because i know the apr will just eat me up. Terrible move by me as well..