To reaffirm or not that is the question

[AAAArt]

I've got good news, I applied for a 722 redemption and was approved. I am even paying $70 less per month and the terms are for 24 months, and not the 32 months I still had to pay. I am so thankful and now they aren't going to repo my car. I am grateful.

Congrats, Art

[ODDBALL]

Okay, so now I have a question???? Sorry to attach myself onto someone else's thread, but I have a question. So, let me get this straight.....I DID NOT sign the reaffirmation agreement for my vehicle (owe $2100). Does that mean that should something happen (the car falls apart), that the debt can still be discharged in the bk-7???? Can they repo the car for any reason??? OR does that mean the debt is or can be discharged, but with a lien in place, until the full payment is received? When I called the finance company, they said that technically the debt would be discharged. Thanks in advance for any responses!!!!

[bkfiler]

i think most of those answers were stated in the prior posts.

[AAAArt]

i think most of those answers were stated in the prior posts.

Of course, they've been answered...most all of our questions (except yours and mine) have been.
New people come all the time, so to surmise, If you make your payments on time every month, they cannot repo. They may stop sending you envelopes or bills, however. One day late and they can repo.
Walk away and arrange for them to pick it up at any time, the debt has been discharged. Different if you had re-affirmed.
Be sure to keep the car insured. Good luck, Art