Open Accounts on credit report

[JWButler14]

I filed chapter 13 back in August of 09 and i had two cars that were included in the filing which were both accounts with GMAC one was a lease and the other was a purchase but both accounts are still showing i owe a balance on them and when i contacted GMAC they say the accounts will have a balance until my bankruptcy is discharged which isnt for another 2yrs. So my question is, is this right or should all accounts that were filed have a 0 balance? because all the other accounts i filed now have a 0 balance.

[JWButler14]

Anyone got advice?

[JWButler14]

come on someone please help the lawyer i used retired soon after i filed and the person who took his place says he doesnt have and cant get my file to review anything

[catleg]

I have two car loans and both still report the current balance.

[JWButler14]

I turned the cars in when I filed though

[catleg]

Oh, I see what you mean.

It sounds like a situation similar to my credit cards.

I've diligently disputed most of my credit card tradelines that show a balance. Many have folded and now report zero balance. But there are a few stubborn ones who refuse to do this, and technically I think they are correct since the debt won't really disappear until my discharge some 4+ years into the future.

Another reason why ch13 sucks...your fresh start doesn't really start for 5 years. Even a year into the plan, my credit score is only 601. (Not that I give a damn about my credit score).