I called the bank yesterday, and they put in the request for someone to come pick up the car today. Well, I come home from work and it's still here. So, I call the bank today and they refer me to someone that handles the reposessions. I left her a message... I stated that I was in process of ch 7 bk, filed intention to surrender the car, and want the bank to come get it.
There is a hearing next Friday to lift the stay.
Do I need to file anything with the court or submit a statement in regards to my wanting/trying to surrender the car?
The bank said that if the stay is lifted, it is considered a repossession and will affect my credit negatively.
But I thought that during a bk case, if the car is surrendered OR stay is lifted and repo'd that it doesn't affect your credit report. Nor can it count against you if after the bk is discharged, and later down the road, you want to finance a car.
Should I contact the bk court and/or the trustee? A copy of the motion was also sent to the trustee.
Help!
There is a hearing next Friday to lift the stay.
Do I need to file anything with the court or submit a statement in regards to my wanting/trying to surrender the car?
The bank said that if the stay is lifted, it is considered a repossession and will affect my credit negatively.
But I thought that during a bk case, if the car is surrendered OR stay is lifted and repo'd that it doesn't affect your credit report. Nor can it count against you if after the bk is discharged, and later down the road, you want to finance a car.
Should I contact the bk court and/or the trustee? A copy of the motion was also sent to the trustee.
Help!
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