I filed chapter 7 bankruptcy and it has been discharged. In that bankruptcy I reconfirmed my vehicle.
Out of curiosity I went to the dealership wanting to get the van appraised and was looking at cars. A salesman came over and the short of it is I left with a 2008 cobalt.
During our session my comment to salesman was, if you can get me into the car with lower payments and take care of what I owe for the van I will deal. Well, after signing everything and I was waiting for my car I saw the salesman and it occurred to me that my van wasn't listed anywhere. And I said I didn't see my van listed anywhere what does that mean. The comment back was. don't worry its taken care of, you had a bankruptcy. So I just went on my merry way.
Now GMAc is after me. The dealership said it was a voluntary repossession. We didn't even discuss my bankruptcy, the only thing I said was when he said I had bankruptcy I said yeah but I reconfirmed with my van. And the salesperson said thats okay everything is taken care of.
Now the dealership is saying that I didn't tell them I reconfirmed (remember we didn't discuss my bankruptcy) and Gmac says I am still responsible. What is right? Am I now gonna be responsible for two vehicle payments, what can I do?
Please help I am trying to rebuild my credit not destroy it. thanks
Out of curiosity I went to the dealership wanting to get the van appraised and was looking at cars. A salesman came over and the short of it is I left with a 2008 cobalt.
During our session my comment to salesman was, if you can get me into the car with lower payments and take care of what I owe for the van I will deal. Well, after signing everything and I was waiting for my car I saw the salesman and it occurred to me that my van wasn't listed anywhere. And I said I didn't see my van listed anywhere what does that mean. The comment back was. don't worry its taken care of, you had a bankruptcy. So I just went on my merry way.
Now GMAc is after me. The dealership said it was a voluntary repossession. We didn't even discuss my bankruptcy, the only thing I said was when he said I had bankruptcy I said yeah but I reconfirmed with my van. And the salesperson said thats okay everything is taken care of.
Now the dealership is saying that I didn't tell them I reconfirmed (remember we didn't discuss my bankruptcy) and Gmac says I am still responsible. What is right? Am I now gonna be responsible for two vehicle payments, what can I do?
Please help I am trying to rebuild my credit not destroy it. thanks
