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What do you if the lender refuses to pick up your car after a Chapter 7 bankruptcy?

1. Confirm the terms of your bankruptcy discharge.

Review the bankruptcy discharge order issued by the court. This document outlines the debts that have been discharged, including any secured debts such as car loans. Ensure the car loan is included in the discharged debts.

2. Contact the lender in writing.

Send a certified letter to the lender, detailing your bankruptcy discharge and requesting that they pick up the vehicle. Include a copy of the bankruptcy discharge order. Keep a copy of the letter and the return receipt for your records.

3. File a complaint with the Consumer Financial Protection Bureau (CFPB).

If the lender still refuses to pick up the car, you can file a complaint with the CFPB online. The CFPB can investigate your complaint and take action against the lender if necessary.

4. Consider legal action.

If the lender continues to refuse to pick up the car, you may need to consider legal action, such as filing a lawsuit. Consult an attorney to discuss your options and the potential costs involved.