I filed Chapter 7 bankruptcy pro se on 10/03/07.
I opted to reaffirm an auto loan through HSBC Auto Finance and already sent them my Statement of Intention and the reaffirmation agreement on 10/05/07 but I have not received the signed agreement back. Everytime I call them I get transferred to a voice mail and leave a message and am never called back.
I need to file the Reaffirmation Agreement with the court by 12/20/07. Because I am not represented by an attorney - I must have a hearing to have the agreement approved by the court.
My question is what happens if HSBC never returns the signed agreement. Will I have to amend my Statement of Intention or will the auto loan be discharged with the bankruptcy?