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    kellydbeau's Avatar
    kellydbeau Posts: 5, Reputation: 1
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    #1

    Nov 25, 2011, 08:12 PM
    Bankruptcy
    Can I change my mind after I've reafirmed my car loan and my bankruptcy has been discharged?
    kcomissiong's Avatar
    kcomissiong Posts: 1,166, Reputation: 276
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    #2

    Nov 25, 2011, 08:17 PM
    Can you change your mind about what?
    kellydbeau's Avatar
    kellydbeau Posts: 5, Reputation: 1
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    #3

    Nov 25, 2011, 08:21 PM
    Can I change my mind if Ive already reaffirmed my car loan and my bankruptcy has been discharged?
    Fr_Chuck's Avatar
    Fr_Chuck Posts: 81,301, Reputation: 7692
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    #4

    Nov 25, 2011, 08:21 PM
    Do you mean about reaffirming the debt? Or about the bankruptcy ?

    But once it is over and final discharge, no you can not go back
    kellydbeau's Avatar
    kellydbeau Posts: 5, Reputation: 1
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    #5

    Nov 25, 2011, 08:25 PM
    What if they never sighned the reaffirmation.. am I still held liable for the debt.. or can I let the car go back?
    Fr_Chuck's Avatar
    Fr_Chuck Posts: 81,301, Reputation: 7692
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    #6

    Nov 25, 2011, 08:27 PM
    Who never signed, you ? Or the court ?
    kellydbeau's Avatar
    kellydbeau Posts: 5, Reputation: 1
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    #7

    Nov 25, 2011, 08:28 PM
    The car dealership
    kellydbeau's Avatar
    kellydbeau Posts: 5, Reputation: 1
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    #8

    Nov 25, 2011, 08:33 PM
    The car dealership
    kcomissiong's Avatar
    kcomissiong Posts: 1,166, Reputation: 276
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    #9

    Nov 25, 2011, 08:34 PM
    If you reaffirmed the debt, then you still owe it as it wasn't discharged in your bankruptcy. If you haven't "changed your mind" in writing within 60 days of the reaffirmation, you are now bound by the terms of the contract. They can repossess the car, sell it at auction, and sue you for the balance if you default.
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