If you owe on cars that you don't plan on re-affirming and the bank either gets a lift on the automatic stay or the discharge comes and the banks come wanting the cars back, do they just repo them in the night or at your job (the same as they would after you were 90 days late) or after the bankruptcy, are they nice about it and then make arrangements over the phone or by mail about scheduling a pickup?
Do they have to go through the courts to get permission to get your vehicles back or are they just automatically entitled to come and pick them up how they see fit?
Do you get any notice from the court telling you to give your cars back or do the banks just contact you and say, "Okay, you're discharged and not re-affirming, we want our stuff back ASAP"??
I want to know what to expect in the next several weeks regarding our 2 cars so I can make plans accordingly to replace them.
Do they have to go through the courts to get permission to get your vehicles back or are they just automatically entitled to come and pick them up how they see fit?
Do you get any notice from the court telling you to give your cars back or do the banks just contact you and say, "Okay, you're discharged and not re-affirming, we want our stuff back ASAP"??
I want to know what to expect in the next several weeks regarding our 2 cars so I can make plans accordingly to replace them.
The letter was ignored and they never petitioned the court to lift the stay. The day our discharge papers turned up in our mailbox, we got a call from GMAC. Weren't home, didn't answer. They called again the next morning and asked how we were going to get caught up on the loan that was in default, lol. Dh told them we were surrendering the car. No problem. He requested that we be able to take the car somewhere instead of having a big tow truck marked RECOVERY coming when our nosey neighbors can see. They had no problems with that. They told us to drop it off at any GM dealership we chose and asked when we planned on doing that. That was a Tuesday. Dh told them we'd take it in on Friday and they had no problem with that, either. We took the car to the nearest dealer on Friday where we walked in and told them we bankrupted the car and were there to drop it off. They grabbed the paperwork, filled it out, we signed and got a copy, and left. Took all of 10 minutes. The next contact we had from GMAC was a couple of weeks later telling us the car was taken to a lot for auction and if we wanted to get it back, we had to pay their fees and bring our loan current. That was a month ago. Letter went in the recycle bin and we haven't heard anything more from them.
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