So i am disharged and closed as of last month. December 2018.
So GM financial never gave us paperwork to reaffirm. Now when i look at the paperwork that filed we never checked a box for the vehichle lease on what we werte gonna do for it.
I have been paying on time. I still can't log in to the online page and they have me listed as in bankruptcy as if the car lease was disharged still.
Am I liable for any overage charges etc if i chose to not try adn purchase it?
I Messaged my lawyer but gotta wait LoL.. it aint due to March 6th anyways so i got some time to figure this out.
After looking at it. it appears that we did select the option to retain. but it was IIB. we did not get anything from GM financial still
Couple years back. Close to same situation..........
My lawyer got back to me. He indicated that if you keep a lease, make payments on it etc and retain the vehichle that you are keeping it pursuint to the original contract.
looks like i may be liable for the mileage but he said it may only be for excess mileage after the discharge date if i wanna push it with the financing company... the lease is with GM financial.. he also recommended I ask if i can get a new lease or purchase etc to waive the fees if i dont want the car.
so man that suks. thats abotu 2500 in overage fees.. LOL looks like i may be buying the car instead LMFAO
New update. I contacted GM financial to inquire about overage payment process, final payment amount and purchase price etc
whern i was talking about overages the rep kind of cut me off and was like "nope doesn't apply to you" they said because I did not sign a reaffirmation agreement and the bankruptcy was closed that I am not liable for any overages.. they said I can bring the car to any chevy dealer WITHOUT contacting Gm financial to arrange a return. then the dealer has to contact the Gm financial division and they will send someone to pick up the car.
basically they said I am not liable for anything at all.
so im like.... nice?
thats 2.6k that i won't have to pay and could put down towards another care or finding soemthing cheap to put it on.
THat i am not aware of. I am 100% going to make my payments to try adn keep gm financial in somewhat good graces..
but i brought up making payments and they onyl stopped me when i mentioned overagers to let me know when i turn the lease it that i walk away form it and because of bankruptcy i am not liable for anything on the lease.
i asked stuff like payoiff amount... last payment due etc.. my last payment is on the 6th of feb so,...
The way it sounded. It may have been possible to do that. But again becaus they mentioned no reaffirmation agreement was signed that i wasn't liable for anything.