Reaffirm question

[lmg]

I was discharged back in July and have been making payments to a truck loan that we signed reaffirmation paperwork for but FORD didn't file them with the courts on time. So we lucked out in that regard.

My question is we have been making these payments without receiving any billing statements. I would like to start to receive bills again to keep track but I'm a litte nervous about contacting FORD since the truck really wasn't reaffirmed. Has anyone had contact with with a lender after not signing reaffirm papers? I'm afraid once we make contact and they see that it wasn't reaffirmed they will want to take the truck.

[Dirk Squarejaw]

I would be hesitant too especially with Ford or Chrysler. Both are repo-happy. A few people on here have had good luck with them, however the lawyer that was representing them for my case was very aggressive and I decided that I would not sign one. I am not expecting the car to be around long after discharge. I had to keep the car due to the payment helping me stay in a Chapter 7, however after discussing with my lawyer that my 2nd job had slowed down he told me that I don't have to sign one but just to understand they have the right to come get it at any time since I didn't sign the reaffirmation.

Here is a good story. I read it awhile back when I was Google-ing trying to find some stories about reaffirmations with Ford and then read it again when it was posted by another member yesterday:

http://www.bkforum.com/showpost.php?p=212757&postcount=6

[lmg]

Can anyone share their experience with not signing a reaffirm but continuing to make payments, paying off the vechicle and getting the title, etc...

[mgmadara]

We filed in August of 2005 and had 15 months left to pay on our Durango loan with Daimler Chrysler and didn't reaffirm. Chrysler stopped sending us statements and took away our online access for the remainder of the loan. We sent our payments in on time every month. We received our title a few weeks after making the final payment. We had no problems whatsoever with our ride through. Also, Chrysler never reported our loan to any credit bureau either before or after our bankruptcy.