Nov 8 2009
Chapter 7 bankruptcy reaffirm car loan?
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I am about to file for bankruptcy and I have absolutely no other assets besides my car. My ex-husband co-signed for me and I am planning on reaffirming my car loan so that I can keep my car and continue making payments on it. I wanted to know if I file for bankruptcy but reaffirm my car loan will it have any negative affect on my ex-husband’s credit? Also I live in Oklahoma.
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SmartA$$ said:
The only negative impact on his credit report would be any missed payments.
If you don’t re-affirm the loan, he becomes liable for the whole loan (but then you can’t keep the car).
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