Legal Question in Bankruptcy in Florida

If car loan not reaffirmed--would I still be liable to pay when car repossessed?
I filed Chapter 7 bankruptcy and received my discharge of debts on 12/14/01. The bank that financed my car was listed on my list of creditors but the loan was suppose to be reaffirmed. My lawyer never explained reaffirming a loan to me and I assumed it was something that was done by them. The loan was never reaffirmed and my car was repossessed 4 months after my discharge with the bank stating that it had never agreed to reaffirm the loan. I tried to work it out with them but they wanted the entire amount due for me to get my car back which I did not have. Now they have sold my account to a collection agency that is calling me nonstop at work trying to collect this $2000 debt that they say I owe. I am getting in trouble at work as a result (I work in a hospital) but the guy calls daily sometimes several times a day. If the bank was included in my list of creditors and the loan wasn't reaffirmed, would I still be liable to pay this collection agency? Any help you can give me would be greatly appreciated.

Asked on 8/22/03, 6:23 am

Alexander M. Rosenfeld Rosenfeld & Stein, P.A.

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Re: If car loan not reaffirmed--would I still be liable to pay when car reposses

No. I urge to see your bankruptcy atty for a full explanation of your rights.

Answered on 8/25/03, 5:21 pm

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