(1) Has making voluntary payments negated my ability not to pay this credit card, which was discharged in my Ch. 7 bankruptcy?
A: No. Once a debt is discharged in bankruptcy it cannot be reaffirmed by the debtor. However, if you used the credit card to make new purchases, those purchases are not part of the bankruptcy, and the creditor can sue to collect on that new debt.
(2) Because both my auto loan and credit card was with the same CU, is there any way they could legally refuse to release my title until the credit card is paid?
A: If there was some tie in expressly described in the car loan agreement, then yes. Otherwise, no.
Hope this helps.
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