Welcome to Just Answer! My name isXXXXX very much enjoy what I do and I hope that you will benefit from this information.
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.
If you need more clarification or follow up information, please feel free to write back as there is no extra charge. Otherwise, please click on the ACCEPT button. Even if you have put in your payment information, I receive no credit for my time unless you press "ACCEPT".
Sometimes the law does not give you the outcome that you may have anticipated. Please understand that this is not the attorney's fault. We are assuming that you are paying for an honest and professional opinion.
Please know that there may be a delay between your follow up question and my answers because I may be helping other customers in the meantime. Rest assured, I will get back to you.
If you feel that I went an extra step to help, a bonus would be greatly appreciated!
This information is provided so you may better discuss legal issues with your attorney. Consult a local attorney for legal advice before acting. You may be able to find an attorney in your area to further assist you at http://www.martindale.com/ or at http://www.lawyers.com/ .
You can always request me for a future question by starting your new question with "This question is for Maverick".