Experience with USAA auto reaffirmation/redemptions?

[Anonymous]

I wonder what experience people are having with getting a principal reduction when reaffirming a USAA auto loan in a Chapter 7 bankruptcy. If anyone has insight, here's my scenario:

• Purchased March 2016
• I owe $32,000
• NADA/KBB value is between $25k-$28k
• Interest rate is 3.49%
• Payments are currently $540/mo.

I will be filing January 2017. Specifically I'm wondering: What are the chances USAA would reaffirm at market value vs. what I owe? ($25k vs. $32k)
Alternatively, if I do a 722 redemption loan, the payments would be higher than what I pay now($640 vs. $540). Could this be rejected by the court? I'd consider the 722 loan because I will be able to pay it off over 6-12 months. Even at 22%, the additional interest would still be less than a $7k+ principal write-off balance.

[Anonymous]

No one has experience with USAA? 

[Anonymous]

I have a USAA car loan a little above yours actually. I did not reaffirm. Have paid the bill each month online - have not heard from them. been around 8 months. Not saying they would not come after yours - just giving you my experience with them. USAA did tell me on the phone that as long as I kept paying they don't care. Maybe call them up and flat out ask like I did.  I personally would not refinance it. Best of luck!