My vehicle finance company stopped billing me after I filed chapter 13. My lawyer must have got me a free car, right?
If this were true, do you think I would be driving a Honda? Bankruptcy does not give you a free car. It often stops your lien creditors from billing you monthly. This may not be a bad thing. For those who depend on a bill every month, have your attorney contact the vehicle loan company and request a bill. Some lenders require a reaffirmation (see question above) in order to bill. Believe me, it is not worth it! Many banks will gladly pay a creditor every month from your account for a small fee, or sometimes for free. It is worth it! I recommend services like Checkfree or any on-line bill payer. It is only important that the bill gets paid, it does not matter how. Unfortunately, you may just need to remember to pay the bill yourself. Hey, most people can afford a wall calendar, right?
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