do you think this is gonna hurt me??

[michele71]

Ok...before I finally decided to go BK I deferred my car payment to Wells Fargo Auto Finance. When I deferred it the guy asked me why..I told them I needed to pay a medical bill--he asked how much and even though it was only 240.00 I said 700.00. Then he asked me if I could pay the next month (that would be November's payment) I said yes. I am going 13 and I sign my papers on Tuesday. Wells called tonight (i am 4 days late) and they wanted to know if I was gonna pay and I just said not now. So basically both car payments are going into my plan so lord knows when they will see any money from the trustee. Am I safe from them like taking the car from me?? Or having any repercussions (SP) from filing after I said I would be able to pay?

[allavdj]

Once you file they cannot take the car without petitioning the court to lift the automatic stay put in place by filing bankruptcy. That's not to say they will or won't, but if you don't start making payments they probably will.

[michele71]

allavdj..i am only 4 days late on my car payment i am actually still in the 10 day grace period. I wonder if they can take the car if i am only 1 day late...what do u think?

[BigJohn]

If the cars are in the plan, and you stick to the plan, I can't forsee anything they can do to you.