I did not reaffirm my car in my BK and surrendered it to the bank, but they reported it as a reposession. Aren't they supposed to report it as a write off?
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Your car was not repo'd..... you surrendered it in BK.... so it needs to say "included in bankruptcy" on your credit report.
If you have not been discharged yet, your credit report will not reflect the "included in bankruptcy" clause.....
After discharge if they do not change it, dispute the entry and force them to correct it...Minny
"It's amazing the paths that our feet sometimes follow in life".
My suggestions are from "personal experience" and research only. Do not consider this as legal advice. Each bankruptcy case is different. -
And maybe try the "Not Coded Correctly" attack. That's been seeming to work for people in the Rebuilding Credit section of the Forum.
Here's a link to one thread about that:
http://www.bankruptcyforum.com/t8235...ctly-quot.html
Evidently saying that works wonders.Filed Ch 7 - 09/06
Discharged - 12/2006
Officially Declared No Asset - 03/2007
Closed - 04/2007
I am not an attorney. My comments are based on personal experience and research. Always consult an attorney in your area to address concerns related to your particular situation.
Another good thing about being poor is that when you are seventy your children will not have declared you legally insane in order to gain control of your estate. - Woody Allen...Comment
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should it be reported as "voluntarly surrendered" or "charge off"?
bumpLast edited by StewieGriffin42; 07-17-2006, 10:17 PM.Comment
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It should say "included in bankruptcy"..............Minny
"It's amazing the paths that our feet sometimes follow in life".
My suggestions are from "personal experience" and research only. Do not consider this as legal advice. Each bankruptcy case is different.Comment
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