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raveman007
Registered User
Last Activity: 05-23-2019, 02:35 PM
Joined: 12-12-2018
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  • raveman007
    replied to Redemption Loan - Lawyer Screw up
    bcohen: I had my lawyer re-file it so it is back in process. I told him I was worried about the car being repossessed and he said that it is still under bankruptcy stay and no motion for relief has been filed. Apparently they can't pick it up because of that....
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  • raveman007
    started a topic Redemption Loan - Lawyer Screw up

    Redemption Loan - Lawyer Screw up

    Our discharge happened officially on 5/9/19 only ten days past the estimated date. We are good there. I got approval for a redemption loan on my car via 722redemption and saved over $15K. Awesome right? Well I get a letter in the mail yesterday that the petition to redeem was denied because my dumb...
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  • raveman007
    replied to Discharge Notice?
    Thanks. The creditors had until April 30th so I am hopeful it will discharge in the next couple of weeks. Still having issues with the IRS though as they are showing I owe them 16K when that should have dropped to 3k. I have a good refund coming and filed for an extension because I don't want to...
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  • raveman007
    replied to 722 Redemption Loan Interest Rate
    We had said we were going to keep our Charger also, but once I found out the redemption I tried it first. You do not have to sign even though you said you would. Just hold on to the paperwork until you decide, but it should be done before your discharge, as per the lawyer. Not sure if that is true....
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  • raveman007
    started a topic Discharge Notice?

    Discharge Notice?

    My discharge date was 4/30/19, but I haven't heard or received any paperwork. How will I know when my BK officially discharges? Do I get a letter or other type of notice?

    IRS balance is still showing at $16K when it should be about $3K and it would be nice to have this to go back to...
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  • raveman007
    replied to 722 Redemption Loan Interest Rate
    Woohoo! Got my redemption loan paperwork. 17.99% interest and they shaved $15K off what I owed. This not only saved me that money, but payment went down $200 bucks which makes worth keeping the Charger. Plan on paying extra to get it paid for in a couple of years. Redemption works!
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  • raveman007
    replied to 722 Redemption Loan Interest Rate
    I went on pacer and found the letter that was sent to the bank. They are valuating my car at $15K and I owe $30K on it, probably due to all the mileage on it as a drive 120 miles round trip to work. That make this even better as the payment will probably be much better then I am paying now and I...
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