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Anybody ever had a car repo after discharge but before closing?

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    Anybody ever had a car repo after discharge but before closing?

    If so what is the process? Can the creditor contact you after discharge to see if you are going to make payments or do they just the repo man? My case is taking forever to close and I'm 2 months behind on payments...getting caught up though...

    #2
    the closing date means nothing to protection of the automatic stay.
    If you are behind they can take the car without warning once you;re
    discharged.

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      #3
      They can repo after discharge. They don't have to wait on your case to close. If you want to keep the car you need to catch up quick.
      4/09 Converted to a Ch 7 due to loss in dh's income
      5/09 UST now involved no idea what happens next
      7/09 UST has decided to withdraw his motion to dismiss!
      7/27/09 DISCHARGED!!!

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        #4
        thanks...i called them again and asked how I would know if they are going to repo. He said they would contact me first. it's bofa, I hope they contact me first, but hopefully I get up so i don't have to worry about it.

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          #5
          Before repoing they should send you a notice in the mail. It should state how much you have to pay in order to stop the repo and it will give you so many days to pay up.
          4/09 Converted to a Ch 7 due to loss in dh's income
          5/09 UST now involved no idea what happens next
          7/09 UST has decided to withdraw his motion to dismiss!
          7/27/09 DISCHARGED!!!

          Comment


            #6
            Great. I knew they did that with foreclosures but i didn't know they did with repos. BofA is a buttpain anyway.

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