You may rescind (cancel) your reaffirmation agreement at any time before the bankruptcy court enters a discharge order, or before the expiration of the 60-day period that begins on the date your reaffirmation agreement is filed with the court, whichever occurs later.
the credit report can't prove anything that will help you. I guess you are trying to show that you don't owe the debt? A credit report is like a newspaper. It "reports" what other people tell it, and reports are often incorrect. The court is not going to allow the report into evidence as proof of what you do or not owe to a creditor.
If it it later than all of that, you have bought yourself a car. Turning in a vehicle is very self defeating. The lender will auction it off, it usually sells for a very low price, the lender will deduct the net selling price from your loan balance, and then may sue you for the difference. If they get a judgment it may become a lien against your share of the house. The end result is that you may eventually still pay for a car that you no longer have.
If you do so prior to the Bankruptcy Court entering an Order of Discharge, you can do so. What appears on your credit report is irrelevant. If you were not represented by counsel, you should retain an experienced Bankruptcy attorney to handle this matter for you.
If you found this Answer helpful, please mark it as "Best Answer" Please be advised that the answer above is only general in nature cannot be construed as legal advice, given that not enough facts are known. It is your responsibility to retain a lawyer to analyze the facts specific to your particular situation in order to give you specific advice. Specific answers will require cognizance of all pertinent facts about your case. Any answers offered on Avvo are of a general nature only, and are not meant to create an attorney-client relationship.
Our Rating is calculated using information the lawyer has included on their profile in addition to the information we collect from state bar associations and other organizations that license legal professionals. Attorneys who claim their profiles and provide Avvo with more information tend to have a higher rating than those who do not.What determines Avvo Rating?Experience & background
Years licensed, work experience, educationLegal community recognition
Peer endorsements, associations, awardsLegal thought leadership
Publications, speaking engagementsDiscipline