@mexley wrote:
We were discharged on 1/21. We surrendered both of our vehicles. One of our cars was financed through USAA. I called them Friday to see when they would come get it. After wating on hold for 15 minutes i finally got in touch with the bankruptcy department. The lady that answered said that in order to pick the car up i would have to go online and download a form, fill it out, write a letter of intention to surrender, sign it, then fax everything to them and then they would contact me. I told her this debt was not reaffirmed and discharged, making it their property, why do i have to jump through hoops for you to come get it? She said thats just how they do business.
So...who has experience surrendering to USAA? What happens if I just dont do it? How long til they just come get it on their own?
Ive never done business with USAA but i did have a car that I didnt reaffirm through my BK. I got discharged last month and I had to bug the credit union to pick up the car. I emailed them almost every day asking them that I wanted the car picked up. Took almost 3 weeks and they finally did. They sent me a letter a week later stating they are putting the car in an auction and if i'm interested I could pay the full amount owed. First of all, they didn't agree with my offer when i tried to reaffirm (they wanted me to pay the personal loan i took) its cross collateraled. There was a reason why i filed BK but they wouldn't wanna work with me considering I been a member for 16 years. But anyway, I dont get these lenders sometimes, credit unions could be the worst.
Starting Score: MYFICO 12/30/15 -TU: 481, EQ:561, EX:532 - BK7 DISCHARGED 12/2015 - Current: 09/01/2016 TU:642 EQ: 651 EX: 646