Chapter 7 Bankruptcy - Car Payments

[nythng4mygrl]

What is the name of your state (only U.S. law)? LA

Hello, I filed Chapter 7 last March 2017, and it was discharged in August 2017. I was able to keep both cars and resumed my payments as normal. The bank had their attorney contact me to reaffirm one of the cars. I filed Pro Se and was not given much choice to reaffirm payments. I have never defaulted on any car payments and was current through the entire bankruptcy process, and I am current to date. I pulled up my credit report and both cars are reported as Derogatory/Closed and included in Chapter 7 Bankruptcy with no payment history available. It is my understanding that the payments made AFTER the discharge are to be reported. Am I wrong? Please advise. Thank you.

 

[FlyingRon]

There's no obligation that a lender report anything.

 

[justalayman]

Ron (and or freya if you’re around)

If a person reaffirms an open account, is it a proper reporting that it be listed as closed. I can see if it is considered closed due to the Bk and the reaffirmation is a new acount

But if it is a reaffirmation of the actual account, wouldn’t it still be considered the same account and therefore not listed as closed?