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JJH77
Junior Member
Last Activity: 01-29-2017, 09:26 AM
Joined: 04-14-2016
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  • JJH77
    replied to Credit Report questions
    Thanks...
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  • JJH77
    replied to Recently filed w/questions
    *update*
    Had 341 meeting, under the advice of my attorney I reaffirmed the car loan because it's fairly new and in good shape. The finance company would also take our only car back. We are ok with it especially since we do plan to refinance with credit union. The trustee also mentioned they had...
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  • JJH77
    started a topic Credit Report questions

    Credit Report questions

    Generally how long does it take for credit reports to report accurate information? Must I dispute everything that shows revolving (negatively). Will judgements stay on my credit report? Or it should at least state it was included in chapter 7.



    I requested all 3 of our credit...
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  • JJH77
    replied to Discharged today!!!
    Congratulations 🎊

    Just had my 341 yesterday. Now onto disputing credit reports!...
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  • JJH77
    replied to Recently filed w/questions
    Ok so I have another question. At first I wanted to keep my car but have learned that reaffirming is not in my best interest. Giving back the car would leave us with nothing. And we will need to replace my husband's vehicle that was totaled in car accident.

    If you gave your car back, how soon/easy was...
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  • JJH77
    replied to Recently filed w/questions
    Thank you! I spoke with him yesterday. He said it was really up to me. Why not walk away from it all and start fresh.

    I understand and his point but that leaves us with no transportation and no guarantee of getting another car.

    Will that limit us to on buy on buy here pay...
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  • JJH77
    replied to Recently filed w/questions
    Hmm ok, thanks for letting me know. I guess it's a wait a see type thing. He hasn't said anything. Maybe before the 341 meeting he'll give me some insight. My 341 is a few weeks off.
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  • JJH77
    replied to Recently filed w/questions
    I'm in NJ and filing with an attorney. I'm not sure if my attorney will affirm that it does or doesn't create a hardship. I guess should before my 341 meeting. I'm sure they will advise me of the best option. It would be great if the judge denies it. Seems like it would be in my best interest. We shall...
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  • JJH77
    replied to Recently filed w/questions
    The loan is fairly new about 10 months, not much equity. It's with Wells Fargo Dealer Services, I'm hoping they don't require me to reaffirm to keep the car. I've heard one is not necessarily required to sign the reaffirmation and that the judge may not approve it either... :/
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  • JJH77
    started a topic Recently filed w/questions

    Recently filed w/questions

    I've recently filed and have some questions regarding reaffirming my car:
    i reside in New Jersey and want to keep my car. I'm current on payments (never late). Some say reaffirming the car is good and some say not good. We really need this car bc this the only sort of transportation we have and...
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  • Ok I will certainly check on that. Thank you!
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  • JJH77
    replied to Considering Bankruptcy
    Thank you for the suggestions as this process is so stressful. Unfortunately I'm not filing soon enough. I plan to file within the next 60 days days. my attorney has suggested that I wait until after I have surgery.
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  • I haven't received anything in the mail except for advertisement saying a judgement was being entered and could contact their office for legal representation. It's odd bc I've been stalking the mail. Not sure if it would be certified or regular US mail.
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  • JJH77
    started a topic Question More bk chapter 7 questions

    More bk chapter 7 questions

    I'm just starting this whole bk process and creditors are calling my work even after telling them I cannot receive personal calls at work! They've even called and left messages with minutes on the same day and lied that it wasn't hem when it clearly was the same person bc she left her name and number...
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  • This is an awesome post! I'm just starting this whole bk process and creditors are calling my work even after telling them I cannot receive personal calls at work! They've even called and left messages with minutes on the same day and lied that it wasn't hem when it clearly was the same person bc she...
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  • JJH77
    replied to Chapter 7 questions
    Thank you!
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  • JJH77
    started a topic Chapter 7 questions

    Chapter 7 questions

    So I've decided to file chapter 7 and confirmed with bk attorney we would qualify for chapter 7. So I have a loan with a bottom feeder company and have stopped making payments as of April. They're calling my job and leaving messages and minutes later calling my home and left another message. I'm starting...
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  • JJH77
    replied to Considering Bankruptcy
    Thank you so much for responding! I will definitely ask my attorney. As of late the calls have begun and making me nuts. I feel guilty and overwhelmed. May I ask if it makes sense for me to tell the debt collector that I'm filing bk?
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  • JJH77
    replied to Considering Bankruptcy
    Hi, saw the attorney, said I fall under chapter 7. I plan to wait until I have my scheduled surgery just in case I have medical bills, they can be included in bk. Also said there's no need to waste money in paying cc and loan bills since we plan to file in 60 days. Quoted $1200.
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    Last edited by JJH77; 04-15-2016, 11:57 AM.

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  • JJH77
    replied to Considering Bankruptcy
    Thank you! I hope you have all answers to my questions after my meeting with attorney this afternoon.

    It's pretty close. I have a 2013 Santa Fe sport. It's not a luxury car but nice enough to be comfortable in while going to and from work and other errands. The other medical expenses should...
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