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"How Long Does A Repo Stay On Your Credit" Discussion

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Professional Q&As for "How Long Does A Repo Stay On Your Credit"

Upsolve Community Member
2021-11-20

How long does it take to get a bankruptcy filed in Oklahoma to stop a repossession?

Community Replies:

Upsolve Community Member
That's a good question!

Upsolve Community Member
Before filing, when to file and how long it takes is generally up to you. As an Upsolve user, the sooner you complete the questionnaire, the sooner the generated forms will be available, generally speaking. 

Upsolve Community Member
Once you file, the process takes between 4-6 months. You can learn more here! https://upsolve.org/learn/chapter-7-bankruptcy-timeline/

Upsolve Community Member
You might also be curious to learn more about repossession! These articles are often a good place to start :)  https://upsolve.org/learn/car-repossession-101/ and https://upsolve.org/learn/should-i-file-bankruptcy-after-repo/

Upsolve Community Member
2022-01-05

I received my chapter 7 court discharge letter in the mail. Thanks to Upsolve Team for making this possible, its a new beginning for me. Thank you once again guys.

45 Reactions

Community Replies:

Upsolve Community Member
Hi. Did you do it all yourself or hired a lawyer. Thinking about filing chapter 7 and not sure if I should hire a lawyer or do it myself 

Upsolve Community Member
Congratulations Olakunle! The new year is off to a good start! Thanks for sharing your experience with Upsolve. 

Upsolve Community Member
Hi Taneshia, Yes I filed through Upsolve with $300 court fee. Good luck!

Upsolve Community Member
YESSSSSSS!!!!!  Congratulations Olakunie! Fresh Start in 2022!!! wooohooo! :-)

Upsolve Community Member
Congratulations! Happy 2022!! 

Upsolve Community Member
Conrgrats Olakune! Can you please share with us how long the process took? Also, by not hiring an attorney and going this way, during the whole process, does that stop the creditors from calling or filing judgements?

Upsolve Community Member
Congratulations on your discharge!! Woo hoo! After a hard-earned celebratory breather, you might want to do a quick read of Upsolve's tips in the article https://upsolve.org/learn/chapter-7-discharged/ to start reading up on how to rebuild your credit after bankruptcy. Congrats!! We're so happy for you!!

Upsolve Community Member
May 13, 2021 - completed my Chapter 7 Questionnaire with Upsolve June 26, 2021 - Uploaded all required documents ( Bank statements, ID copies) etc. July 14, 2021 - Filed with court in person, Filing fee $338July 2021 - completed my online Financial Management course Aug 27, 2021 - Teleconference meeting with creditors / Trustees Sept 24, 2021 - rescheduled meeting with Creditors / Trustees Oct 29, 2021 - rescheduled meeting with creditors / Trustees Oct 29, 2021 - Report of No Distribution filed by Trustee Nov 29. 2021 - Order discharging debtor signed Nov 29, 2021 - Final decree signed Dec 1, 2021 - Notice date

Upsolve Community Member
Hi Saed H, It's up to you if you wanna use a lawyer or not but in my experience during my research I figured out that using a lawyer will not make any difference except paying thousands of dollars that I can't afford. Remember you're trying to get rid of debts so you don't wanna end up paying someone money you can't afford. Your creditors will stop calling you as soon as your file with the court. Good luck! 

Upsolve Community Member
How many months of bank statements do you have to provide

Upsolve Community Member
Hi Sereathia D it depends on individual circumstances, in my case my trustees requested for 3 months which must cover the last transaction date on my bank statement...I already got a Charge-Off on my accounts since April 2020 so I visited one of the branches to request for Feb - March - April statements which arrived in the mail about 10 business working days later. 

Upsolve Community Member
2022-01-19

I had my 341 meeting this morning and I am glad it is finally over with. To begin with they started with a role call, then the trustee said he would do all parties represented by lawyers first and then pro se. The first case took about 15 minutes worth of questioning, and the second and third parties never joined the meeting. I ended up going second instead of 4th which meant I didn't have to stay on the phone as long. He asked me if I filled out the forms myself, if I paid for Upsolve to help with the paperwork, he asked if I owned any real estate, then he opened it up for my creditors to ask questions, which only one creditor was on there to ask questions regarding the condition of the truck I was letting the bank take back. Once the creditor was done asking his questions the trustee took over again but this time to tell me what a great job i have done representing myself. My meeting itself only lasted about 8 minutes. I can not thank Upsolve enough for all the questions I've had being answered, the ease of the checklist to follow, and the support from so many people I don't even know who are going through the same thing. I feel more at ease than i did on December 8th when I filed. One other thing I wanted to mention. If someone does not qualify for Upsolve, check with your local college to see if they have a law program. Sometimes they do cases for the experience while going through school. Obviously the instructors are a huge part of it, but just know that is another option. I received a call yesterday from our University that they would help me file and answer any questions that I had. The only problem with that was I filed a month ago, but they still said to call if I needed help.

27 Reactions

Community Replies:

Upsolve Community Member
That’s awesome! So pleased for you and I agree Upsolve and the community has been so great! Next step, discharge!!!

Upsolve Community Member
Thank you for sharing all of this Samantha! (Great to know about the college program! I'll be sure to point that option out to others!) I'm sure your story is going to help a lot of people feel better about the bankruptcy process! Shared experiences are invaluable, and your time is truly appreciated. So happy things went well!! Can't wait to hear about the discharge! 

Upsolve Community Member
Congrats on wrapping up, and thanks for sharing as my meeting is tomorrow. I am really ready to get this done and put this behind me too.

Upsolve Community Member
Good luck tomorrow, Latoyia! :-)

Upsolve Community Member
👍 Good job like the trustee said  ! 

Upsolve Community Member
2021-12-08

How easy is this to start

23 Reactions

Community Replies:

Upsolve Community Member
Very easy. Don't get discouraged and press on.

Upsolve Community Member
Easy!  The site walks you through at each step, and has a terrific "library" of articles for more information.  The questionnaire did take me longer to fill out, but I took my time & re-re-re-reviewed all my answers.  You got this!!!  

Upsolve Community Member
As long as you read as much as you can and take the time to diligently gather all of your information, Upsolve makes this process extremely easy.

Upsolve Community Member
Yes, I agree with Gen. I found that the https://upsolve.org/learn/ is a tremendous resource starting from the 2-minute video intro at the top followed by a very well-organized library of topics IN CONTEXT with how Upsolve works with the subject. You can Google anything but, unless it's an Upsolve article, often the info has no relation/context to the tools we are working with so it gets confusing. The whole point of the Learning Center is to relate this info to laymen (us!) and not require us to be attorneys to understand it! Good luck, Garrett!

Upsolve Community Member
2022-02-07

Oh man I’m printing my final draft of my packet.I’m so excited and so nervous I don’t miss anything I’ve proof read a hundred times and I think I have it now.but anyways 8 days I believe working day and night on this .reading ,learning and implementing all these resources have been daunting but an absolute lifesaver and I couldn’t be more excited because tomorrow I’m dropping of my packet to the United States bankruptcy court in Denver Colorado all by my self.and thanks to upsolve for what you do I’m tearing up even writing this because it’s been a long long relax to get here and I couldn’t be more proud of the good and right thing your doing for everybody here .thank you and wish me luck .

20 Reactions

Community Replies:

Upsolve Community Member
Paul, good luck buddy. "Excited and nervous" is the perfect way to describe it. "Reading, learning, implementing".  BRAVO!!!! Give yourself a high five for having just gone through the hardest part of the journey! Having been the second generation born and raised in Denver CO --- I join you in being proud of the positive step of doing this --- and OWNING IT! It's time to take a break now and breathe! That light is getting brighter! :-)

Upsolve Community Member
Good luck! It sounds like you’ve got this!! 🥳

Upsolve Community Member
I went by and dropped my packet off yesterday afternoon!  It was a lot of work to get to that point!  I'm so glad that part is over!

Upsolve Community Member
Kimberly, you've just been through the hardest part! Congratulations to you for persevering. It's time to take a load off and breathe! :-)

Upsolve Community Member
You got this buddy!


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    Upsolve is a 501(c)(3) nonprofit that started in 2016. Our mission is to help low-income families who cannot afford lawyers file bankruptcy for free, using an online web app. Spun out of Harvard Law School, our team includes lawyers, engineers, and judges. We have world-class funders that include the U.S. government, former Google CEO Eric Schmidt, and leading foundations. It's one of the greatest civil rights injustices of our time that low-income families can’t access their basic rights when they can’t afford to pay for help. Combining direct services and advocacy, we’re fighting this injustice.

    To learn more, read why we started Upsolve in 2016, our reviews from past users, and our press coverage from places like the New York Times and Wall Street Journal.