Car and Credit card with Chase

[Jacey]

If I do a chapter 7 and hope to discharge a credit card debt with Chase, can they repossess an automobile that is current and financed with them? I'm in Arkansas. The car will be paid off within the year, so I really don't want to lose it. Thanks!

[Maddie]

If I do a chapter 7 and hope to discharge a credit card debt with Chase, can they repossess an automobile that is current and financed with them? I'm in Arkansas. The car will be paid off within the year, so I really don't want to lose it. Thanks!

No, I was in the same situation with Chase. Both Loans are "Chase", but 2 different divisions. Keep paying your Auto Loan and you will be fine.

[dumpinmydebt]

I would highly doubt it. What's funny is I got a car loan with Chase, despite the fact that I owed them $1000 on a credit card I had with them, that I had not paid in over a year. Seems to me they don't even check, almost as if it is a separate business.

[tcreegan]

Hi all,

Seems to me they don't even check, almost as if it is a separate business. ...welcome to megacorpconglomerates, divisions operate w/o talking to each other, probably aren't even in the same state.

Jacey, just a heads up, when you file BK, Chase cannot contact you, you have to contact them. The automatic stay restricts creditors communication w/ you, so they might stop sending payment statements and/or ending online access. If they do, contact them and ask to get statements/online access again. Since you want to keep the car, stay current even through the BK.

Tom in Colo

[Chowder]

Seems to me they don't even check, almost as if it is a separate business.

Seems like they don't check period. I had a forgotten zero balance Chase CC account survive my Chapter 7.
Still open a year later. Amazing when they were 2nd worst with the collection calls. AmEx was the worst. Have an AmEx card too, but it showed up after discharge.