Well we were discharged Chp 7 in april of this year and did not reaffirm our vehicles, if we turn one over, who do we contact? Finance person is Capital One Auto, do we keep it at the house, return it to a dealer? We live on base not sure if they can come and get it, and then on the credit reports it should read IIB correct? Will it have that much more effect on our credit scores with the BK being so recent? What about the auto score? Any insight would be great...would waiting 4-5 months help at all? I need to use a GMS authorization code before 1/05 I do not want to miss out on these rebates just to have it kick me in the face and not have them later. But then again I doubt my scores will increase that much to get a good decent rate anyway....might as well save in rebates now...is my thinking correct here? UGH I need some major advice something.
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