What is the name of your state (only U.S. law)? MI
I filed chapter 7 in March 2007. I had an old beater van that I had a personal loan on. I owed something like $8000 but the van was not even worth $1000. I filed without a lawyer which looking back I wish I wouldn't have because I made a few mistakes along the way. I could have used the advice that a lawyer would have offered me.
In July 2007 my case was closed because I didn't get the second part of my credit counseling class done. I tried to figure out how to do reopen it but had no luck at all. At one point after the case was closed I did take a signed reaffirmation agreement up to the bankruptcy court abd it was filed. Of course, I was unable to reopen the case so in Fevruary 2008 I called a lawyer and had it reopened that way. I got my discharge in March. Then I got a letter offering me a great deal on a newer van. The payments were less than what I was making on the other van. I kept ignoring them until September when my old van died and I took it in and it needs MAJOR work that would cost $5000. It's worth about $1000, I owe $8000 and the work would cost me $5000 so I called the company where I got the loan and they told me that the payments I were making were voluntary payments and that they were unaware that I had reopened the case with a lawyer so the reaffirmation agreement I signed was invalid for whatever reason so I went with the new van and then tried to voluntarily turn in the old one. Today when I called and asked why they won't pick it up because I am gonna get a ticket for having it the company they told me I can't do that because I signed a reaffirmation agreement. Now I am confused. They cannot contact me because of the bankruptcy so the only way I find anything out is by calling them and now I am stuck with this van and possibly the payment. It doesn't run. It needs a new engine as it burns through as much oil as it does gas, the transmission is the major problem and it has no suspension and the axle is broken. I can't drive it and I can't afford to fix it.
Is it possible to reopen the case and take back the reaffirmation agreement? I think that would be alot less expensive than paying to fix the van and pay the loan.
I filed chapter 7 in March 2007. I had an old beater van that I had a personal loan on. I owed something like $8000 but the van was not even worth $1000. I filed without a lawyer which looking back I wish I wouldn't have because I made a few mistakes along the way. I could have used the advice that a lawyer would have offered me.
In July 2007 my case was closed because I didn't get the second part of my credit counseling class done. I tried to figure out how to do reopen it but had no luck at all. At one point after the case was closed I did take a signed reaffirmation agreement up to the bankruptcy court abd it was filed. Of course, I was unable to reopen the case so in Fevruary 2008 I called a lawyer and had it reopened that way. I got my discharge in March. Then I got a letter offering me a great deal on a newer van. The payments were less than what I was making on the other van. I kept ignoring them until September when my old van died and I took it in and it needs MAJOR work that would cost $5000. It's worth about $1000, I owe $8000 and the work would cost me $5000 so I called the company where I got the loan and they told me that the payments I were making were voluntary payments and that they were unaware that I had reopened the case with a lawyer so the reaffirmation agreement I signed was invalid for whatever reason so I went with the new van and then tried to voluntarily turn in the old one. Today when I called and asked why they won't pick it up because I am gonna get a ticket for having it the company they told me I can't do that because I signed a reaffirmation agreement. Now I am confused. They cannot contact me because of the bankruptcy so the only way I find anything out is by calling them and now I am stuck with this van and possibly the payment. It doesn't run. It needs a new engine as it burns through as much oil as it does gas, the transmission is the major problem and it has no suspension and the axle is broken. I can't drive it and I can't afford to fix it.
Is it possible to reopen the case and take back the reaffirmation agreement? I think that would be alot less expensive than paying to fix the van and pay the loan.
