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1. Reaffirm: A reaffirmation agreement is usually a contract among you as well as the auto creditor in which you comply with shell out the harmony owed on your car note, Regardless of the bankruptcy filing.

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My issue is this, When they wrote off my personal loan, how can they now becoming asking for a settlement? Can they nevertheless Have got a lien towards my residence?

what must i do?? am i able to offert to settle the second And exactly how$ are going to be superior. also and the future i will likely not have issues???

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When you are at the rear of on vehicle payments, you could possibly use bankruptcy legal guidelines to keep your car as part of your possession.

Chapter 7 bankruptcy finished in November 2008. The 2nd lien survived the bankruptcy. It was offered to another party (so It's not held by our 1st home loan holder.) They've despatched a letter regarding the lien. We have been completely the other way up on the 1st – the loan was modified a year in the past and we have not skipped a payment. But we owe a minimum of $100K much more then next page what it is actually really worth.) We wish to settle to find the lien taken off. You point out 10% of the financial debt (our 2nd is about $60K) when I referred to as the company to find out what our options are, the rep informed me they sometimes want twenty five% to thirty% with the lump sum payment.

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If you very own your car outright, and owe no debts on it, then your automobile ought to be fully shielded in Chapter thirteen.

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