I am in the process of filing Chapter 7. We are going to reaffirm one car and give up the other when we file. Has anyone gone through this? Did you drop it off at the dealership or was it repo'd?
The attorney tells me they will come and pick it up. I rather not have a flatbed come here and pick it up unexpectedly in the middle of the night! Losing the car is bad enough. Anyone have any experience with this?
By signing up a debt counseling session, your provided details (Name, Email ID and Phone No.) will be forwarded to the company advertising on the DebtCC. However, you have no obligation to use their services.
Some creditors and collection agencies refuse to lower the payoff amount, interest rate, and fees owed by the consumer.
Creditors/collection agencies can make collection calls and file lawsuits against the consumers represented by the debt relief companies.
Debt relief services may have a negative impact on the consumer's creditworthiness and his overall debt amount may increase due to the accumulation of extra fees.
The amount which the consumer saves with the use of debt relief services can be regarded as taxable income.