Debtors frequently do not reaffirm in bankruptcy, but if you don't reaffirm and want to keep the car you need to keep on making payments. If there was no reaffirmation and no payments have been made, then odds are the lender is preparing to repossess. The comment about "paperwork" makes it sound like there was a reaffirmation, but we would have no way of verifying that -- which is among the reasons why this calls for a conversation with the bankruptcy lawyer. Yes, if there was reaffirmation and payments are now late, that could result in post-bankruptcy negative entries or repossession appearing on the borrower's credit report.

