I had to retain and pay to keep my car but I need

[MM2]

Hello,

I filed for chapter 7 in 2005 and it was discharge in 2006. I did it myself with the help of mainly a Nolo guide. I live in Ohio and I had to use the states laws. My car loan was discharged but inorder to keep the car I had to retain the loan. I did not reaffirm it.

I want to know if there is a way to get the bank to lower the payments. They are 200.00 dollars a month. Yet with the rise in the cost of living it is getting difficult to keep up with them. I am not sure if the bank will work with me on this. I really need the car but I really need those payments decreased. I thought of sending in a partial payment but I don't know what they will do. I know since I didn't reaffirm the loan I am not liable for the loan but I know they can take the car if I don't keep but the payments.

Does anyone have knowledge of car loans?

[SinkingFast]

I posted a response in the other portion of the Forum.

It's best to just post a question once and keep all replies in one place.

[MM2]

Thanks. I realized after the fact that I had posted twice. I thought the first one didn't work.