Expert: Terry Leeders - 3/12/2011

Question
Our bankruptcy was discharged in August/Sept. We reaffirmed two vehicles one of which was with Toyota Financial Services. We never received any actual reaffirmation agreement from them. My lawyer said this was normal (for toyota?).

Toyota has since stopped sending me statements and blocked my access to online services which is how I used to pay my timely payments. Now I am forced to send checks by mail and I am worried that they will start playing shenanigans with my loan (late fees, interest rate, etc.)

Do I have any recourse?

Answer
If you did not sign a reaffirmation, then you did not reaffirm the debt, and it is discharged. Toyota usually does not reaffirm debts. You can mail direct payments and should stay current on the payments and insurance if you wish to keep the vehicles.

Keep good records, make your payments on time, and you should be fine.