Quote Quoting adjusterjack
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If he can't, the safest thing for you to do is reaffirm.
I'd say reaffirmation of a vehicle debt in most cases is a bad idea. The lender doesn't want the car, it won't pay off the loan. If the debtor continues to just pay the loan, the lender is probably going to be content to keep collecting the payments and let the debtor keep the vehicle even without affirmation. It's the best shot the lender has to get paid off. It can always repossess later if the payments do not get made, assuming the lien is still good. If the lien isn't good, then there is even less incentive to reaffirm the debt.

And should the lender take the vehicle in the bankruptcy, so what? If there is negative equity in it, you're dumping a vehicle that has no value to you and getting rid of the debt. You can start over with another vehicle and not be stuck in a financial hole.