Q: If my car loan was never reaffirmed and it shows closed VIA chapter 7 from 2 years ago, can I legally hand over the key
I filed chapter 7 two years ago and found out today it was never reaffirmed
A: If you are sure you never reaffirmed the car--and haven't refinanced it since--then yes, you can turn over the key, not owe any money and not ding your credit.
Bruce Alexander Minnick agrees with this answer
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