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it takes time, mind if i ask what the debt is. I have heard of credit issuers refusing to reaffirm.
not exactly 100% on the legalities here but if i remeber right they can not contact you during the stay whatsoever, that being said you are more then welcome to initiate contact with them.
I almost got suckered into buying one of those. Luckily I checked ebay and saw the true cost. Was able to cancel and get the same model for 1/4 the cost. Great vacuums, a little heavy and hard to change to tool mode.
I ran my reports today and it shows as "included in bankruptcy." Should i assume i dont have to worry about this any longer. What if they call me asking for payment?
@BryGuy1 wrote:I ran my reports today and it shows as "included in bankruptcy." Should i assume i dont have to worry about this any longer. What if they call me asking for payment?
Soemthing does not add up. You stated in your original post that you reaffirmed thia debt. Now you post that is was included in the bankruptcy. Obviously you did not reaffirm the debt as you thought you did. You have been relieved of the legal obligation to pay that debt.
Don't rely on your credit report for BK info.
Contact your attorney to see if the reaffirmation agreement you signed was accepted by the creditor, approved and signed off prior to your discharge.
Or, if you don't want to contact your attorney, download your file from PACER.gov to see the actual status of your reaffirmation agreements.
all i can say is that i filled out the reaffirmation agreement and gave it to my lawer durning the bankruptcy. I ran my reports today and it says that it was included in the bankruptcy. Im confused.
The best way to know for sure is to download your file from PACER.gov
It will show which, if any, of your reaffirmation agreements were accepted by the creditor. You need a record for yourself anyway. If the reaffirmations are not in your PACER file, contact your attorney for an explaination,
IMHO you would be better off to not have reaffirmed, but if it is done then you need to keep paying so you don't default on the newly reaffirmed debt.