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Consumer Bankruptcy : Chapter 7, Chapter 13, Protection From Claims of Creditors
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  #1  
Old 07-22-2004, 01:46 PM
jnmip
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How should car loan show after Bk7 on credit report


What is the name of your state? New Jersey

My car loan was definitely included in my Bk7 which was discharged 8/02. As I look at my credit reports, all 3 show it without any indication of inclusion in Bk and with a balance owed.

I have continued making my payments, still have the car and never reaffirmed the loan.

Is this being shown correctly or should I dispute it?

Thanks
  #2  
Old 07-23-2004, 07:28 AM
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My car loan was definitely included in my Bk7 which was discharged 8/02. As I look at my credit reports, all 3 show it without any indication of inclusion in Bk and with a balance owed.

I have continued making my payments, still have the car and never reaffirmed the loan.

Is this being shown correctly or should I dispute it?

Thanks


I think you can dispute it. I just filed this year and was discharged about 2 months ago. My auto loan was included in the BK and even though I didn't reaffirm my loan balance was 'zero'd' out and 'Included in Bankruptcy' was also indicated on the credit report. I think this is the way it's suppose to be listed on your credit reports. I hope this helps you.
  #3  
Old 08-17-2004, 04:06 PM
patdaman21
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Me too


I also filed Bk7 in the state of Ohio which included a vehicle that I was leasing. My discharge was in March, 2003. However, I recently received a copy of my credit report and the finance company is no longer reporting my payment history. I'm wondering if I still have a legal obligation to continue making lease payments. Did they simply write it off? Any advice out there? Will they come and get the car if I don't blindly send them a payment?
  #4  
Old 08-17-2004, 08:07 PM
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Join Date: Jun 2004
Posts: 64

credit report


I filed BK in California 11/03 and discharged 2/04. Like you, I included an auto on my BK, but never reaffirmed the loan and always made my payments on time. My credit report reflects a 'zero' balance and 'included in bankruptcy' in the notes section. This is the way it's suppose to be look on the credit report. I think you can dispute it with confidence.
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