I had a really quick question. Do I need to know whether I am going to re-affirm the vehicle or redeem the vehicle before 341 meeting? Or I have time to decide until my discharge.
Thats usually decided when you file to make it easier for the trustee handling your case. And 65% of lenders usually make you reaffirm. If your upside down by a lot. Pass. Pay and drive and it wont report to the CRA's. Turn it in when you want and walk away. Reaffirmed and it will report to the CRA's and you cant turn in the keys and walk away. Thats your 2 options.
My posts are JMHO. My siggy is not to brag at all. Just sharing my experiences after learning here from rebuild to recovery after BK DC 540's. And to show fellow members what can be accomplished when you do it right and play the FICO Credit Game.