How can I get out of a reaffirmation that I did on my car loan?
970403
Did an attorney handle your bankruptcy?  If so, contact your attorney.  If you did it on your own, then contact the Trustee who is handling your case and ask him.  The Trustee won't be able to give you legal advise, but he will be able to explain your responsibilities.  You should also contact the company that holds your car loan right away.  If you have no income there is a SMALL chance they will agree to take back the car and let you off the hook, but get it writing!\n\nDon't just ignore the problem.  If you wait and let the car be repossessed, you will be responsible for paying the loan, their attorney's fees, repossession costs, etc. They will sell the car and apply the difference to the amount you owe, but they won't get full value for the car.  You will be responsible for the difference.  And you won't be able to bankrupt out of that.\n.
486181
Contact the institution you have your loan through, and let them know you are under hardship.\n\nThen start looking for another $20 job as fast as you can.\n\nDepending on how many years you have already paid into the loan you MAY beable to refinance it.  Call a local mortgage broker and see how they can help.  Consultation is free.\n\nSometimes our credit isn't as bad as we think it it, sometimes it is worse.  But there should be help.  A good mortgage broker or financial officer can help.
214604
You do not have to lie.  You just have to be willing to say no if they will not offer the car for what you want to pay.  If the process makes you feel sleazy, then maybe CarMax or a Saturn dealership where the prices are fixed might be the right option for you.
2762
Whatever you do, don't let it get reposessed. Try to sell it for whatever is left to be paid  on the car finance agreement or check with the dealer if you find someone to take over payments.
771864
Call the company and explain the situation.  They can often reverse the charge on your account when you correct the situation.  Most places are reasonable.
869937
They probably don't want to go through the cost of taking your car back, so continue to insist on working out a payment plan with them.  Ask for the supervisor, and whatever you are able to agree on, get it in writing.  If you can't get anywhere with them, however, I would consider getting an attorney or nonprofit debt counselor involved who can negotiate for you.  Daily phone calls are harrassing and can be illegal.
306736
Take out the loan docs you were given at your signing and find the page that says "NOTE" and read it. It will explain (in more detail than you would ever want to know) the re-payment of your loan. If you look through all of the other documents you'll find something along the line that sending in a check saying "full and final payment" etc... will have no effect on your loan; the lender can apply your funds however they choose to basically as long as they follow the ground rules obtained in the note.
718068
I've done it before.  I just had my lender send a letter saying I didn't qualify for financing.  I even got my earnest money refunded.
964154
Even if the loan is charged off the creditor can still reposses the car, because it was offered as collateral.  Basically a charge-off is saying the loan is in the worst state possible for your credit reporting.
470773
If what you mean is how can a co-signer get out of a loan obligation---\n\nas far as the bank is concerned you are responsible for the payments and your credit is ruined as well if payments are late.\n\nYou get all the responsibility with none of the rewards (like enjoying driving the car for instance).
985305
Your local bank would be an ideal first step.  Another choice is maybe a credit union you belong to - USAA, State Employees, ask your HR department if there is a credit union they are affiliated with, or could refer you too.\n\nOne choice is also to discuss this with the loan company you're already with.  Ford Motor Credit, Honda Finance, or whoever.\n\nLastly, if you can't get resolution or if your credit is maybe not ideal, try someone like Wells Fargo Financial Acceptance, Chase Manhattan Auto, Triad Financial, Citizens, Car Finance, Americredit, to name a few.
564283
not every lender reports to credit agencies...plus there are 3 agencies...did u check all 3?  \n\ncall to find otu which one they report to and if they dont ask them for a record of your payments.  then tell them "does this mean I can NOT pay you and nothing will happen if you cant find the car?"
1084119
Try to make good on the loan that you defaulted on before make another loan.\n\n\nLC
966973
If you have proof that it was cancelled, hold on to it.  You will need this if it comes up when you go to buy a home.  \n\nContact the company you had the debt with and tell them you want this on your credit report.
376219
fIRST, i THINK that is BS.  They cant stop youfrom making a payment.  \n\nSecond, to answer your question.  \n\nA couple of gallons of gas and a book of matches should do the trick.
102426
Check the paperwork you signed.  A lot of car dealers have you sign a form waiving the right to change your mind within three business days.
1157674
Contact all credit companies NOW. Tell them you Will not guarantee any additional purchases and you want the account closed. Follow up with a written letter. Keep a log of everyone you call with time and date.  Request a copy of his loan balance and the agreement you signed.   You need to establish a "cut off" point so if the credit companies continue to extend credit it will be at their own risk not yours.\n\nNext ask the "dead beat" if he has anything to sell you to pay off his debt. (Get anything you can. Something is better than nothing.) make a list of what you get and how much it is worth. Send that amount into the credit companies directly. Don't give the money to the "dead beat".  Ask for a lien on his car. Tell him that will help you get a loan if needed to pay off his debt.\n\nNow it's 10 days later. Ask the "dead beat" how much he can pay each month towards the debt. Don't put him into a situation he can't live with it will just be a bigger problem.  Now call the credit companies ask ask for a reduction in interest rate and a payment schedule that you can afford.\n\nNow comes the time to KICK yourself in the butt for doing a "verbal" agreement and letting it go this far.