did not re-affirm car, but question for the future...

[AlreadyFiled]

I did not re-affirm my car loan and am riding it through (altho if they offered a re-affirmation, I probably would have signed in a heartbeat because I owe less then it is worth and love the car...) but still, didn't hear anything from them and keep making my payments on-time... totally ok with this.

But my question is for the future.... pretend it is 2 years past my discharge and I feel like trading it in for something new with a warranty or for whatever reasons ..etc... If I did a ride through, will this effect me trading it in? Not that I plan on it, I want to run this car to the ground if I can. I'm almost paid off... but "what if"... Is it still mine even if it was a ride-thru ch.7 and no re-affirmation?

[TEW]

The car would have to be paid off in the trade. If you only owe a year on the car you will get the tittle after your last payment. If you get sick of the car or you can not make the payments anymore you jsut call and tell them to come get it.

[laurannm]

Exactly. I plan on doing what TEW suggested about a year or so from now, once our credit rebounds a bit. We did not reaffirm our 2008 NIssan Versa. Our payment is reasonable but the interest rate\term length are not (10.2% for 6 years). Given the fact my commute nets about 25k miles a year, I plan on turning the car in in 1-2 years.

[AlreadyFiled]

Just to confirm, since i did not reaffirm the car, if i want to get a new car w smaller payments in about a year i just call the credit union and tell them to come get the car and they can't do anything to me? And I can go my merry way and buy a new car?