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Will a repossession show up on my credit report if I turn in my car after Chap. 7 discharge? I'm still making payments.

Anaheim, CA |

I see that my car payments are not showing up on my credit report. This car loan was discharged. I want to buy a new car to repair my credit but don't want a repossession to appear on my credit report.

Attorney Answers 4


No, provided that the debt was never reaffirmed.

Jonathan Leventhal, Esq..
Leventhal Law Group, P.C.

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If you did not reaffirm the debt, the repossession or any other negative actions on your credit report should not show up. If anything does show up on your credit report, you should consult your bankruptcy attorney to dispute it.

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I agree with my colleagues, provided you never reaffirmed, you are in the clear. That is one of the benefits you receive in bankruptcy.

There is never a proper substitute for consultation with an attorney licensed in your area, when you are facing a legal problem. Please understand my answer to your question may be influenced by the laws of my state-which could differ from the laws of your state. No attorney-client relationship has been formed by my answering your question on Avvo.

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Probably not ... but that would be a pretty poor reason for keeping and paying more for a car than what it's worth.

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