Did you sign any reaffirmation papers or letting it go? They're sent to the lenders to let them know if your going to affirm/reaffirm.
@WildestDreams wrote:update incase anyone else ever goes though drama like this...
if only my lawyer was honest and said reaffirmations can delay you months (Not true)I wouldn't be extra screwed. My reaffirmation papers were submitted and logged into pacer by the bank on 9/14 - I was never informed i'd need a reaffirmation hearing, was only told i'd be discharged around 11/1 (thats another story) anyway here we are on 11/23 - no meeting has been scheduled AND according to the court clerk my papers from 9/14 haven't even been reviewed yet. It could take a "few more months" before my papers are even looked at, then another month or so for a meeting to be scheduled, then according to him ill be discharged within a few weeks to a month after that meeting.
so if you are on the fence about reaffirming dont do it, its cased more stress and delays then i ever could have imagined. and now my life is on a contiuned hold for 3 maybe 4 maybe 5 more months all for a car I don't like and can't even fit my children safely into that my lawyer pressured me into reaffirming stating i 'had to reaffirm' or the court would take it, wish I knew that was total BS before.
You unfortunately got a raw deal. Never seen this. I reaffirmed. Papers signed sent. Kept making payments. Cap1 approved with 6 payments left. Truck was PIF got title and life moved on. JMO its best to reaffirm if you can afford it because it keeps helping build credit. Why turn it in and then get another loan. Which would be a higher rate after BK. There are some circumstances no way out to keep a vehicle. Thats rare. Hopefully your situation comes to an end.
@WildestDreams wrote:I hope my situation is rare overall, id never wish this on anyone, the entire bk process is stressful enough no one needs to be waiting months extra for a mostly meaningless hearing - at least my understanding is it doesnt matter if the judge approves or not. anyway
the bank approved within a week of me signing and uploaded it to pacer, thats now been siting since 9/14. per the court clerk this is standard (im in NY) i've looked at the daily pacer log and there is a 45-90 day delay from when reaffirmation papers are uploaded to when hearing notices are sent. i'm at 70-something days so hopefully this mess is over soon, I just want to rebuild my life
Sorry about all the trouble, OP. Hopefully this will get sorted out soon. I can certainly relate to wanting the BK process to be done with.
Siggy updated Feb 16 2023
