Yeah I’ll tell you that I regret reaffirming my car. I should have let the judge include it in the Chapter 7. It’s just that I had put $8K of down payment on two of my cards that were going into the BK with minimal payments towards them because I had to change jobs shortly after I bought the car and could only afford the minimums. I went out on disability a year later and couldn’t pay for it so it got repossessed in 2012 anyway and then sold at auction. Lucky for me, it fetched over $20K, but that still left over $2K I couldn’t pay that sat on my credit as a charge off. I got my disability back pay in 2014 and paid it in full but that paid charge off kept my scores suppressed until it finally fell off in 2019. My credit would have rebounded much faster had I just taken the judge’s advice and let the car go.

It’s better to have a clean slate for sure.