My question involves collection proceedings in the State of: Michigan
I am disabled, retired veteran with ssn, military retirement, and VA compensation checks coming in.
I had to file bk almost 18 months ago, and reaffirmed the recreational vehicle (5thwheel) though.
I cannot keep up with the payments, and should have not re-affirmed.
If I do a voluntary repo to the bank, can they tap into my three gov. checks? I was told they cannot
freeze my checking accounts either. This bank is not my personal bank either. I have all my three
checks going to a credit union, and I pay the payment via billpay from my credit union to the bank
monthly on my own.
I am scared to death to do a voluntary repo at my age of 66 and sick. I have not called the bank to
come and get the recreational vehicle yet, but I am now past 15 days late on the payment.
But, I cannot afford this payment, and just want to give back the trailer.
I owe on my home and two cars, and have zero assets that they can attach to. Please tell me what
will happen in my situation with me having three gov. checks that I do beleive they cannot touch.
Thank you ever so much for giving me any advice that you can for the state of Michigan repo laws!