Re: Chapter 7 - will an auto lender offer a reaffirmat
ion agreement if you are 2-3 payments past due
09-28-2012 11:41 AM
How long have you been paying on the WF loan? My car loan is through them. I was behind a payment or 2. I can't remember. I filed C7 in July and told my attorney I did not want to reaffirm. It took me a few weeks to decide that, but he didn't tell me that he received anything from them.
I wouldn't make any payments. Put that money up. I hope someone else chimes in, though.
I still have my car, they didn't apply to have the stay lifted. I think you keep the car until discharge and then you make arrangements to give them the car back. I want to say it's within 10 days. I actually called my attorney today and asked about this, so when I hear back, I'll let you know!
10/12 EX: 599 EQ: 599 TU: 599
BK Discharge 10/23/12
Cap1 $3000 (AU) / NFCU Visa $500
GOAL #1: 660