I used Upsolve for Chapter 7 no asset case
Here is the timeline
Filed 02/19/2026
341 meeting 03/26/2026
Discharge 05/29/2026
Originally I was going to reaffirm my vehicle but I opted to surrender my car back to Security Service Federal Credit Union due to them enforcing cross collateralization with a personal loan I had through them as well that was being discharged. The last car payment I made was on 04/10/2026 but they had not picked up the car yet. I bought a new vehicle on 07/03/2026 so since I was not longer going to keep insurance on, I called to see when they would pick it up the informed me I dropped off the vehicle at a local branch or the could send an email to schedule a pick up. I dropped it off so I don’t have to worry about waiting for the repo to happen. It was a little emotional since I put so much money into that car but I’m grateful I was able to obtain a more affordable car I would be able to get the title for and start fresh with no negative equity. If you read all this I hope it provides some insight as to what happens after discharge.
submitted by /u/TellOwn1964
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