I recently found out that I made an oversite after my CH7 in 2006 and did not reaffirm my auto loan. I have kept paying on this loan since then. I tried to call to get a 10 day pay-off but the company cannot speak with since I really do not owe the $. They did reassure me that all money would be applied and once the loan was paid in full the title would be sent to me within 30 days.
I am, first off, a little uneasy about the informal arangement with a company who refuses to make any other comments on this loan. Second, I am wondering what other options I may have. Is it possible to file a reaffirmation 2 years after discharge? Or, has anyone ever heard of a settlement offer in similar situations?
I'm ready to approach this company from a different angle and would really appreciate any insight.