How Long Before The Repo Man Shows Up

I filed a Chapter 7 bankruptcy and I am awaiting discharge in FL. I was wondering how long before I have to worry about the repo man showing up? I have read previous post concerning this information but I know each case is different. I did not reaffirm my car loan and have not kept up the payments. I know they can show up at any time but my Lawyer keeps saying not before notifying his office first. My car is worth $6500 (high kelly blue book) but I owe about $17900. Do most car financial companies wait until the bankruptcy discharge before they repo the car? Just want to know what I can expect don't want some crazy person walking up to my door acting crazy. BTW the ripoff artist is Citifinancial Auto the WORST!!! :confused: :wallbang:

Didn't your lawyer advise you to give up the car? With that type of debt in excess of market value, in my experience most lawyers would have done so.

I've seen it take months for the "repo man" to show up. There's no way of knowing.

Yes my lawyer advised me to give up the car and I am I'm turning it over too them I was just wondering how long I have. All the cheap cars I've looked at are not worth the time or $ here in FL so I'm going to get something once I get my discharge. Thanks for responding, I'm glad to know it takes months. Lot's of predatory lenders out there they just happen to be one of the many!! Not to worry I've been saving for the next purchase and don't plan on getting ripped off again! Again thanks for responding so quickly!:)

It doesn't have to take months. Some creditors move quickly.

Agree & even if there is a stay on repossession due to the bk & they can't repo the car, they can request that the court lift this stay.

Yes, I do understand that it doesn't have to take months and that some creditors move quickly. I'm just hoping that mine don't ask for the stay to be removed. I also understand there were some questions as to why I owe so much that would be due to a high interest rate to begin with as I was already over extended with mortgage. My interest rate was a whopping 15.99% and I paid a total of $23,959 for the car. It was upside down to begin with and only got worst. To top it off it already had 22000 miles on it when I bought it. Like I said I was desperate and trying to ensure I'm not desperate this time around:confused: Thanks for all the info. I do realize they could show up at any moment. Any suggestions on my next purchase after the bankruptcy? :eek: I'm trying to buy new when I get my discharge and have spoken with several dealers (special financing) as well as credit union but my score have to be a 600 in order for them to give me a loan. Renting a car is very expensive I guess I just don't want to be upside down in another car loan which is why I'm researching and trying to stick with cars that hold their value better like (honda or toyota). Any suggestions from anyone whose been there would be helpful?