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If the vehicle loan was included in the bankruptcy and you did not sign a reaffirmation agreement, there is no loan that you have to repay as it was discharged in the BK. Any payments you made after the BK were as if you were renting the car on a month to month basis. They could have reposed at anytime since the loan was not paid in full and Bk filed.
The bank cannot ask you o pay for the loan. You can agree to pay month to month to rent the car but I would not sign any thing that says that you reaffirm the loan. Since there is no loan after the BK, they have no duty to report payments on your credit.
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you said ''If the vehicle loan was included in the bankruptcy and you did not sign a reaffirmation agreement, there is no loan that you have to repay as it was discharged in the BK"
So this mean that i have to keep the car? since the loan was discharge under chapter 7? i never sign any reaffirmation agreement
If it was discharged and you never signed an affirmation agreement, then it means that the lender could take the car from you at anytime but you are not responsible for the loan anymore. In other words, the lender could have been allowing you to continue to drive the car so long as you paid the monthly payments, just as if you were renting month to month. But, if they decide they do not want to do that, they can take the car back at anytime and you do not have to pay them payments.
Ok now that they have the car with my belongings inside. Can i get my personal items back?
i do have the money to pay but not sure since there no reaffirmation agreement how that payment will be treated
If you do not have the car in your possession, there is no sense paying the bill as you do not owe on a loan. If they let you drive the car then you can pay the monthly bill.
To get your persona belongings back, write a letter by certified mail RR to them and the repo lot (if you the address) stating that they have your personal belongings in there and that you would like to set up a time to come pick them up.
If after 30 days you don't claim the items then the items are considered abandoned and can be disposed of in anyway the repo man wants.
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