Non-reaffirmed auto loan with Chase

[laurannm]

Just to verify....Mass state law states that a lender must send a 21-day RIght to Cure Default before they can repo. Am I accurate in saying that even if you are doing a ride-through, these state laws would still apply in the event you default?

Thanks!

[justbroke]

Yes, they still apply. In almost all instances, the only thing bankruptcy does is "stay" collection activities. Once a relief from stay (RFS) has been granted, the case closed, or the property abandoned (whichever occurs first) by the Estate (Trustee), the lender can proceed under State non-bankruptcy law.