https://ficoforums.myfico.com/t5/Bankruptcy/722-redemption-s/m-p/5356533#M58012 So..long story short lender had unperfected lien on my car, trustee took due to this and is offering to sell back to me. Car is a 13’ Avenger 47k Miles one owner (me). He has offered it to me for $4,000 which is a hell of a deal, so wanting to take it.<BR /><BR />I can work out a payment option with him, but would prefer not to so that I can sell the vehicle instead right away. I am able to sell to local dealership for a little under 7k, then buy a cheap car that gets me to and from work and use remainder to pay off taxes I couldn’t discharge.<BR /><BR />Thought about using the 722 program as they said they do trustee buy backs. With this are there a ton of fees? Super high rates? Who is the lender in the end? Any and all help is appreciated, even if it’s not to a question I asked. Thanks!<BR /><BR />(Edited to correct some spelling :-P) Thu, 13 Sep 2018 17:42:24 GMT cartwrna 2018-09-13T17:42:24Z https://ficoforums.myfico.com/t5/Bankruptcy/722-redemption-s/m-p/5356533#M58012 So..long story short lender had unperfected lien on my car, trustee took due to this and is offering to sell back to me. Car is a 13’ Avenger 47k Miles one owner (me). He has offered it to me for $4,000 which is a hell of a deal, so wanting to take it.<BR /><BR />I can work out a payment option with him, but would prefer not to so that I can sell the vehicle instead right away. I am able to sell to local dealership for a little under 7k, then buy a cheap car that gets me to and from work and use remainder to pay off taxes I couldn’t discharge.<BR /><BR />Thought about using the 722 program as they said they do trustee buy backs. With this are there a ton of fees? Super high rates? Who is the lender in the end? Any and all help is appreciated, even if it’s not to a question I asked. Thanks!<BR /><BR />(Edited to correct some spelling :-P) Thu, 13 Sep 2018 17:42:24 GMT https://ficoforums.myfico.com/t5/Bankruptcy/722-redemption-s/m-p/5356533#M58012 cartwrna 2018-09-13T17:42:24Z https://ficoforums.myfico.com/t5/Bankruptcy/722-redemption-s/m-p/5357534#M58035 I figured it out. Just going to pay the trustee myself and bypass the 722. They do charge fees, as well as your lawyer can, the interest ranges from 17.99% to 23.99% depending on how your approved they said. Payments were like $177 a month for 42 months, but with interest I’d pay an extra $2500 if I decided to carry the loan full term :-/ pass on that! Fri, 14 Sep 2018 17:19:14 GMT https://ficoforums.myfico.com/t5/Bankruptcy/722-redemption-s/m-p/5357534#M58035 cartwrna 2018-09-14T17:19:14Z