Post Discharge Questions

[Dj1995]

My chapter 7 is discharged and closed. On my SOI, I checked "retain" as to my car, but later decided that it was not going to be wise to try to keep it. I figured the bank would come get it once the automatic stay lifted on day 45, but it's gone past discharge and close, and I've not heard a word from the bank. Should I call them?

Also, does anyone know when I will be contacted about my student loan, or should I contact them? Was orginally in a chapter 13 and student loan payments were included in the 13, but then converted to a 7.

Thanks!

[MSbklawyer]

Did you sign a reaffirmation agreement at any point?

[despritfreya]

My chapter 7 is discharged and closed. On my SOI, I checked "retain" as to my car, but later decided that it was not going to be wise to try to keep it. . . I've not heard a word from the bank. Should I call them?

If you want to be the nice guy, yes. If you want to use the vehicle until the bank wakes up, no. But. . . so long as you have possession you should keep the vehicle fully insured.

does anyone know when I will be contacted about my student loan, or should I contact them?

It could take a lot of time for the creditor to wake up. Interest is constantly running so you should make the first move.

Des.

[Dj1995]

I did not sign a reaffirmation at all on the car, and yes, am keeping it fully insured.