I live in Texas. I filed Chapter 13 bankruptcy April of 2011 due to being named as a third party defendant in a very large law suit. The plan was Confirmed in October 2011. My terminology might be wrong but it was a "100% plan" and a began making large payment s to my trustee
. There were 2 vehicles involved.
In September of 2013 I lost my job and subsequently filed to convert my chapter 13 to a chapter 7
. The last payment by my trustee to my creditors was August 2013.
My chapter 7 discharge was signed January 2014.
Neither car was reaffirmed. I have paid off one of the vehicles but on the other one there has been no payments made since the last trustee payment in August 2013. I have not heard from the creditor. The original lender was AmeriCredit.
I contacted AmeriCredit after the discharge to make payments and was directed to Portfolio Recovery Associates. I made a few calls to them but the didn't want to talk to me since I had been involved in a bankruptcy.
Since that time the vehicle has totally dropped of my credit report. There is no evidence of the loan, the collection, or the vehicle. I never received any calls or any other correspondence from either AmeriCredit or Portfolio Recovery Associates. So I just keep driving the car.
Is there any time limit under BK law or contract
law where the lender loses the right to the car and the title can transfer to me?