I have an open auto loan and have finally caught my payments back up. My mother is overwhelmed by her debt and is the co-signer on the loan. She has officially filed for chapter 7 bankruptcy and told me that she will reaffirm her auto, and I will be responsible for my loan and she will no longer be co-signer on it.
The thing that worries me is that I logged into the company’s mobile app to make a payment this morning and my account had no open loans. I called the customer service line and after entering my information I was transferred to the bankruptcy department which isn’t open on the weekends.
How do I make my payments?
I was told that they may not allow activity on the account until the bankruptcy is final; but that leaves me with the issue of without making payments, does the account go past due?
I’m very confused and would love some clarity on this whole issue.
Do I need to start focusing on getting new transportation?