Should I pay this debt

[mike3406]

I filed bankruptcy in 2014 and signed a reaffirmation for a camper. Shortly after that I could not keep up the payments like I thought I could. My wife had passed away I was left with a 14 year old to rise totally disabled and could not even keep up the hose I had at that time. I worked with the bank on this and did a voluntary repo. The bank at that time told me because the bankruptcy was so recent they would not try to collect any money. I never heard anything from the bank until now 4 years latter and now wants the deficit left after they sold it. This was in Tennessee and I now live in Nevada. My only income is from SSD and VA, they said they would put a lien on my home if I did not pay them $100 month on a forbearance that will last for 2 years. My home is homestead in Nevada. I am a 100% disabled Veteran I could pay this $100 but would be hard to do and will just be for two years. What if they want work with me the next time and want more? Should I sign the forbearance?

 

[LdiJ]

I filed bankruptcy in 2014 and signed a reaffirmation for a camper. Shortly after that I could not keep up the payments like I thought I could. My wife had passed away I was left with a 14 year old to rise totally disabled and could not even keep up the hose I had at that time. I worked with the bank on this and did a voluntary repo. The bank at that time told me because the bankruptcy was so recent they would not try to collect any money. I never heard anything from the bank until now 4 years latter and now wants the deficit left after they sold it. This was in Tennessee and I now live in Nevada. My only income is from SSD and VA, they said they would put a lien on my home if I did not pay them $100 month on a forbearance that will last for 2 years. My home is homestead in Nevada. I am a 100% disabled Veteran I could pay this $100 but would be hard to do and will just be for two years. What if they want work with me the next time and want more? Should I sign the forbearance?

No, you should NOT sign it. You should get a consult with a local bankruptcy attorney about the situation but you should sign NOTHING.

 

[quincy]

I agree with LdiJ. You should sign no other agreement with the bank.

Making an appointment with the attorney who handled your bankruptcy would be smart or you can find free or low cost legal advice and assistance, available to military and veterans through the following site:

https://www.lacsn.org/practice-areas/military-veterans