For the last three years since my ch7, i have had a leased Ford vehicle that was reflecting included in bankruptcy, ch 7 on my cr. I contacted their national bankruptcy center and was told that I could turn in the car at any time and no further information would be posted to my report and that it would still reflect ch7. In my most recent report from a CR, it now is listed as a repossession occurring in 12/01! I have filed a complaint with the cr to reflect what it has always been with ch7 and no amount outstanding. Now it says I owe them over $1000. Other than calling my bk atty, does anyone have any great ideas?
I agree with Breeze. It is illegal. That account should not even have a BK status on it if you are still paying on the lease and did not turn the car in. This account needs that BK status removed and the account moved to positive status. Try writing the Ford headquarters and address your complaint to the Executive Office. Do it CRR. If you have the most recent statement, I would think it would show the most recent payment; send that as proof. Also, when you filed BK, this debt should have been listed and Ford would have asked you to re-affirm in order to continue paying on the lease and continue driving the car. You should have a copy of the court filed re-affirmation agreement; send this also as proof. If I am not mistaken a car lease re-affirmation is done the same way as a regular loan. You should be able to get this situation corrected on your credit report. It may take several calls or letters to them. Whatever you do, ask them to send you proof of any updates they are sending to the CRA's. If Ford sends you proof of an update and the CRA's refuse to update (we are having a problem with EXP), the sue the CRA. If Ford refuses to comply with your efforts, sue them. They are violating BK statutes as well as knowingly violating the FCRA.
