I filed bankruptcy earlier this year. I had a car loan with a bank, and several other loans as well. I offered to reaffirm the car loan but the bank got greedy and said unless I reaffirm all my loans I can’t keep the car. So I said fuck em, take the car.
The bank was not aware that I had made alot of modfications which kill the resell value. So now they are SOL, the car is listed on their website as being in “poor condition” and says to make an offer.
I would like to maybe buy the car back. I am not legally obligated to pay anything since the debt is discharged. Now I was thinking maybe of contacting the bank directly and making an offer. But I don’t know if the bank will sell it back to me. Logically speaking they should be willing to cut their losses, but who knows, maybe the loan officer will have too much pride to sell it back.
Another option is just to just give a friend the money and buy it back for me and the bank is not any the wiser.
What should I do?