Newport News, VA asked in Bankruptcy for Virginia

Q: I filed chapter 7 bankruptcy but current vehicle didnt get put on and now im in charge off status. Repo?

I didnt put this car on my bankruptcy or sign the affirmation agreement and they keep saying by law they cant contact me about the account or the vehicle now i can only trade it or pay the charge off but can they really come pick it up because its not even on my credit report anymore when i did try to trade it in. The bankruptcy got discharged in December 2018 so they currently still cant contact me? they haven’t contacted me about anything and i had to call them and find out that my account was in charge off status. I feel like this is just a scare tactic

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2 Lawyer Answers

Bruce Alexander Minnick


A: If you did not re-affirm the debt underlying your car loan during your bankruptcy the car should have been sold as one of your assets and the underlying debt discharged--or possibly paid by the lender. Ask the trustee or your BR lawyer.

Timothy Denison

  • Bankruptcy Lawyer
  • Louisville, KY

A: If you did not reaffirm the debt, you can reopen the bankruptcy and reaffirm it or if they find it, they can repo it.

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