Q: Can I still keep my vehicle if I'm making the payment even if I don't choose to reaffirm the debt?
A: Yes, the creditor will usually not bother you as long as they are getting their money just be sure to keep it insured and payments made on time.
A: It does depend on the creditor. Most creditors are fine with you continuing to make the payments. Some and very few creditors can and will still reposes the vehicle even if you are current but did not reaffirm. I would recommend speaking to an attorney for advice on your specific debt.
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