First of all I just have to say how wonderful everyone on this board is, I have been lurking around for 8 months now and you guys are awesome. I don't think I slept for 3 weeks after first finding this site, too much to take in. Finally gonna get the ball rolling on chap. 7 but have a question that even my lawyer has never encountered.
We plan on reaffirming my husband's truck, lawyer said we are in district 7 which does not allow you to keep vehicles without reaffirmation agreement. {He said he has had 2 clients who had cars repoed with on time payments and could do nothing for them once it happened because no agreement had been signed}
Anyway, my question is.......
We had 3 payments total that were moved to the back of the loan at GMAC's suggestion, 1 in 2006, 2 in 2007, are these then looked at as late payments as far as being able to keep the truck and doing the reaffirmation?
We plan on reaffirming my husband's truck, lawyer said we are in district 7 which does not allow you to keep vehicles without reaffirmation agreement. {He said he has had 2 clients who had cars repoed with on time payments and could do nothing for them once it happened because no agreement had been signed}
Anyway, my question is.......
We had 3 payments total that were moved to the back of the loan at GMAC's suggestion, 1 in 2006, 2 in 2007, are these then looked at as late payments as far as being able to keep the truck and doing the reaffirmation?
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