No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
No one here should judge you. I suspect they are trying to find the vehicle but you moved so that has proved more difficult. Usually this does not take over a year though. Since it sounds like you can afford it now, you may want to call and try and work something out. They likely would rather do that than repo. Once they actually repo'd the car, your credit should reflect this.
Generally, you can keep your car after the charge-off only if you pay off the debt. The lender won't release the lien on the car until the loan is repaid. The car can be repossessed if you do not pay off the debt. Moreover, you are still liable to pay off the debt even though you have lost your car.
Remember, you are responsible for that car until the lender comes and gets it. Keep in mind the lender may never move to repossess the vehicle - that has happened - but you can’t sell it without the title. You should call them and find out what they plan to do with the car and your options.
I have been searching for someone close to my situation for a few years now! Im having same thing almost go on with me kinda... I bought a vehicle in 2016. Made payments till 2017. Filed bankruptcy and a bad divorce and put the truck in it. I kept it but never reaffirmed it like lawyer suggested. Havnt made a payment since. Havnt moved or changed jobs. They havnt reposed it! Ive called several times inquiring about it. They never say anything about it up for repo and even say its not up for repo that im fine. Im looking to settle balance is 10g. Truck isnt worth that in condition its in per kbb. It needs tons of electrical work and more. But they wont send me anything for the settlement even though ive told them they can call or mail me info. They claim there are no statements to send. How do i settle something that i cant get documents for?? As well online access has been cut off since bankruptcy. They have a lien on it. We also dont hide it its my daily. Ive kept insurance full coverage on it and renew tags every year.