Discharged, but I still have car??

[depjlp]

I filed Chapter 7 on everything, and didn't re-affirm anything.
(Primary Home, Rental Home, Car, 90K+ in unsecured debt)

Both mortgages filed and got a relief from stay.
Car finance co. never did.

We got notice of our discharge today.

And we still have the car.
The Bank still hasn't called us about it. 6 months, no payments.

We moved (rent a home now)

What is the legal status of the car?? Can it legally be reposessed?


Filed 5-11-2008, meeting of creditors 6-17-08, discharged 09-12-08

[biotechsolution]

the car is still owned by whoever financed it. since the car is a secured loan you are discharged from the debt but the isn't yours. easiest thing to do is contact them and make arrangements for them to pick it up. Or take it the dealer where you purchased it and give them the keys and get a receipt for dropping it off. But the car isn't yours, can't keep it unless you continue to make payments on it.

[WoodSprite]

Congratulations!

We got notice of our discharge today.
Filed 5-11-2008, meeting of creditors 6-17-08, discharged 09-12-08

First things first: congratulations on your discharge!

[Cali]

Congrats on discharge!!

[HHM]

Congrats on discharge, but as for the car, it is fair game for repo if you are not current on payments.