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  • To Reaffirm Car Loan or Not. - myFICO® Forums - 6714661
    Re: To Reaffirm Car Loan or Not Infiniti Financial Services did not report post discharge, even with reaffirmation IMO, I think your attorney is right If something happens down the road financially (or mechanically) you can just walk away if you don't reaffirm
  • Re: USAA - did not reaffirm - myFICO® Forums - 6807696
    USAA - did not reaffirm Is it true if you have an auto loan with them that you didn't reaffirm in your Chapter 7, they will cancel your auto insurance? I get that they'll cancel it on the car you didn't reaffirm I bought a different car and insured it through them I was just dischaged on Jan 12 and haven't been canceled yet
  • Should I reaffirm my house, car and HELOC in my Ch. 7 bankruptcy
    Should I or should I not reaffirm my house car and line of credit? If you really want to reaffirm your mortgage, your car loan and your line of credit - then you need to rethink filing bankruptcy at all There is not enough information in your post to offer any sort of advice, but the entire purpose of filing bankruptcy is to release the debt
  • Reaffirm mortgage 15 mos after discharge of Ch. 7?
    Re: Reaffirm mortgage 15 mos after discharge of Ch 7? Unfortunately, the only time that you can reaffirm a debt in BK is AFTER your 341 meeting of creditors and BEFORE the discharge Once the BK7 has been discharged, you can no longer reaffirm a debt That comes directly from my BK attorney and the mortgage lender confirmed it Sorry
  • Did not reaffirm car loan but contemplating new loan
    Did not reaffirm car loan but contemplating new loan My bankruptcy was discharged in Oct 2019, during that process I did not reaffirm my car loan I had been making payments on time and continue to do so As of right now, I have 27 payments of $388 left ($10,476 total ) The has 44,000 miles on it and is only worth about $5-7K
  • Ally Financial and Chapter 7 Reaffirm or no? - myFICO® Forums
    Re: Ally Financial and Chapter 7 Reaffirm or no? No experience with Ally, however your instincts seem right -- if Ally still has a borrower on the loan that's not filing bankruptcy and the loan remains current, there's no reason the vehicle should be reposessed
  • Did not reaffirm mortgage in BK7; can I walk away?
    Did not reaffirm mortgage in BK7; can I walk away? Nearly 10 years ago, on the advice of my lawyer I filed what's known as a "Chapter 20" bankruptcy That is, I filed Chapter 7 and Chapter 13 nearly simultaneously to protect my car and house In the years since I've been scraping by and have had to let maintanence and repairs and slide
  • Question about how a reaffirmed mortgage looks on . . . - myFICO® Forums . . .
    Re: Question about how a reaffirmed mortgage looks on credit reports? If you are current on your loan payments and able to meet future payments, reaffirming informs the lender that you intend to pay the mortgage This allows you to keep your home during bankruptcy as long as you abide by the terms of the reaffirmation agreement and make the payments Reaffirming your mortgage ensures
  • Redeem vs reaffirm auto loan questions - myFICO® Forums
    Alternatively, you can choose to “reaffirm” the debt, which means that you will not receive a bankruptcy discharge on it Reaffirmation options should be thoroughly discussed with your attorney prior to filing, but as the law currently stands in Massachusetts, you should not be required to reaffirm in order to retain your property
  • Reaffirm Bridgecrest Loan - myFICO® Forums - 6384734
    Re: Reaffirm Bridgecrest Loan A couple weeks after my discharge I was approved for a loan at 4% of course your case may cary but it all depends on your profile ,income job history etc I am about 14 months from discharge now and just got a second vehicle for nearly top tier rates





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