Reafirming house and car

[AngelinaCat]

Please say that your attorney is located in any city other than a college town whose mascot is a large green reptile. That is where our attorney is located, and she did NOT prepare us well.

[livingdream]

My attorney and I agreed that we are reaffirming the house and car. Both of them I owe just about what they are worth and we want to keep the house and the car. Getting rid of the unsecured debts will make so that we can afford those payments.
I am leaving it in my attorney's hand to handle what is best. I figure she has a lot more experience than I do and knows what she is doing. So far, it's been just as she has stated....
We'lll see if it all continues to go well.
Thanks for your help!

[AngelinaCat]

Making voluntary payments is not the same as reaffirming though. Discuss in detail w/ your attorney if you intend to reaffirm.

Very true. Livingdream, you may want to consider the advice in this thread: http://www.bkforum.com/showthread.ph...rming+bad+idea

[SMinGA2]

Most lenders block the online access (thru their own websites) because the information contained could be considered an attempt to collect a debt, which would violate the automatic stay. Using your bank's online bill pay is a different situation. Its customer initiated, so a purely voluntary payment. Should not have any issues.

Making voluntary payments is not the same as reaffirming though. Discuss in detail w/ your attorney if you intend to reaffirm.

[livingdream]

I have filed Chapter 7 and have my court date for June. I am keeping the car that I have a loan on and house.
I have always paid my payments online through the lenders' website and they have now blocked that access. I just called the car loan lender and they tell me that I can either mail a payment or make my payment through my bank's checking account bill pay. Is there any risk in me setting up bill pay with my bank?
Thanks for your advise!