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Dear Customer, thank you for choosing Just Answer. I would like to assist you today.
If I understand you correctly, you filed for a Chapter 7 bankruptcy, which included a debt for an auto loan. The lender has reclaimed the car (hopefully under the authority of the Court), and is now claiming that you owe them legal fees for the enforcement of the loan.
The lender is not entitled to legal fees due to your Ch. 7 filing. If they ask for fees they are violating the "automatic stay" that goes into effect when you file a bankruptcy, and only ends when the bankruptcy is complete (including the discharge of all of your included debt).
If this lender is engaging in this practice, they are risking sanctions from the bankruptcy court. If this does not sound right (or if it appears I have misunderstood, please let me know and I will follow up).
I understand your position. I was not deliquent on my car until after filing. I did pay 100.00 last night to a bk attorney, who stated what you did, however, I do not have peace about this, due to lack of understanding the legalities of it all. I do not want the car back, I have purchased a different car. I just so not want to be in contemp of court nor end up having to pay the legal fee's to the CU attorney.