Has anyone heard of this. I called WFS about my car loan to see about a deferment, we filed Ch 7 in 04 discharged in 05 did all reaff paper work with attorney and WFS states never reaff. So called attorney he said yep he has copies all sent in, well WFS never filed, so now they will hardly talk to me and wont work with me they said policy is no reaff so they are working with no agreement. My attorney says I can give the car back even now and they cannot come after me for anything. My question is how bad would a charge off/repo hurt the credit at this point, roughly how many points will a score drop, they how long before I will be approved for anything again.
