Bankruptcy.com is the authorized representative for HSBC auto finance. I have attempted to contact them for 2 months and they do not respond. I want to reaffirm but defer payments for 60 days. I can file it that way and see what happens at the hearing I guess.
My real question is: (1) If they do not go for the deferrment in the reaffirmation agreement and so I decide not to reaffirm and I am current on the payments can they take the car or can they only take the car if I default on the loan?
(2) When you file a reaffirmation agreement is it allowed for changes to be made in the original agreement or do you always have to reaffirm with the original terms only?
My real question is: (1) If they do not go for the deferrment in the reaffirmation agreement and so I decide not to reaffirm and I am current on the payments can they take the car or can they only take the car if I default on the loan?
(2) When you file a reaffirmation agreement is it allowed for changes to be made in the original agreement or do you always have to reaffirm with the original terms only?