help...question re: reaffirm

[midnightrocket]

question, if i do a chapter 7.....and reaffirm on my car...do the payments for the car get reduced? balance of car note? i owe 8500$ and i am behind currently. havent filed yet...prob. in jan. also, i recieved a warrant in debt for citifinaciaL after only 3 missed payments. do i need to go to court, or just retain the attrny asap?? i found this very odd for the warrant in debt. i knew another person with a citif inancial loan....they havent paid any on it in 6 months.. no warrant in debt? i think the woman that gave my laon to me, took it personal.....thanks for info!!!

[AngelinaCatHub]

If you reaffirm your car, no the payments won't change. However, most lawyers would advise a ride through, but you must be up to date and never miss a payment.

I'm not sure of what a warrent in debt is. If you file before you have to show in Court, that will quash that warrent. Any legal item must in some way be responded to or the creditor will get what they wish by dafault. 'Hub