Bankruptcy Ch 7 car loa

Even if you voluntarily gave up your car, you will remain liable for the amount of the debt they could not recover after selling away your car. You need to talk to your bank regarding the amount you still owe, get it in writing and then pay it off.

If you indeed signed the re-affirmation, then novice would be correct - you would be responsible for the balance. The fact is that you did not reaffirm. As long as you included them in your bankrupcty and surrendered the car back to them, then their deficiency balance was discharged the same as every other creditor you filed on.

Tell them their debt was discharged and they can look up your case on PACER. If they keep calling you, tell them you'll contact an attorney for violating bankruptcy laws.

I agree with debtcruncher- that should have been in your bankruptcy and discharged.

The important point is...DID you include the car in your BK??? If you did not, then you may be responsible for the balance.

Double check your BK documents, or if you don't have them, contact your attorney to confirm the status of the loan - whether it was included or not.