I filed bankruptsy back in 2003. My wife was leaving me and my dad was dying of a brain tumor so I wasn't fully on top of things at the time, needles to say.
I thought that we where going to reaffirm on my 1999 Pontiac Grand AM but apparently, 2 years later, I'm finding out that we never did. The car is actually a POS and I would rather just let them have the car.
All of this time, I have been faithfully paying my $260/month payments online even though I've recieved no bill from them stating that I owe it. I always thought it was weird that I didn't get bills but I attributed it to the fact that my address changed when I lost the house and they where just being sent into an abyss.
So, here I am 2 years later and the loan still has a $4000 balance. The car is falling apart and I called the lawyer to find out what would happen if I just let the car go back, now. That's when the news was broken to me that I never reaffirmed and they could have come and gotten the car from my driveway any time they felt like it.
He suggested that I just let them have the car and all of the money that I've been paying them for two years. I think that from a legal standpoint, it's not my fault that they didn't come get the car when the judge ordered that they could and papers where signed on both ends stating that I no longer owed National City money.
Since those papers where signed, I've paid them almost $6,500. Am I entitled to get that money back?

