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Posted in Bankruptcy
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geospatial

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Reaffirmation agreement on car was not filed by lender
HI, there. I received a call from a company that was hired by my auto lender to pick up my car. I filed for Chapter 7 last year and it was discharged in June. Part of the bankruptcy, I chose to keep my vehicle through reaffirmation. However, after numerous calls with my lender after asking them why they want to pick up my car, and numerous calls with the law office that handled my bankruptcy, I unfortunately, learned that my reaffirmation may not have been properly handled and never filed in time before my discharge date. So, after making timely payments on my car loan, since my discharge date, the lender wants the car. They informed me that they are just following bankruptcy laws, they cannot help me, blah blah blah and is asking for the payoff amount, or they will simply pick up the car or start a nationwide search for it. Do I have any options? I seem to be getting the run-around from both the law office and lender in trying to give me a firm answer as to what happened to the reaffirmation agreement? I have a strong feeling, I totally screwed and have no other options, except to find some lender/bank/credit union that is willing to loan me the amount that I owe or refinance, however, after being less than a year in bakruptcy, I'm certain my chances are very low. Your response is greatly appreciated.

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