Why can’t I login to my account to pay my car loan anymore?

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Written by Andrea Wimmer, Esq..  
Updated June 22, 2020

Summary

After a bankruptcy filing, some creditors block you from logging in to your account. This becomes a problem if you want to keep your car and need to make your payment. Unfortunately, there isn’t much consistency among lenders on when and why they do it. They say it’s because they don’t want to violate the automatic stay. Unfortunately, what it really does is make it much harder for the filer to make their payment. 

After a bankruptcy filing, some creditors block you from logging in to your account. This becomes a problem if you want to keep your car and need to make your payment.

Unfortunately, there isn’t much consistency among lenders on when and why they do it. They say it’s because they don’t want to violate the automatic stay. Unfortunately, what it really does is make it much harder for the filer to make their payment. 

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Yes, you still have to make your payment even though they locked you out. 

Even though they made it harder for you to do so, the creditor still has to get paid if you want to keep the car. The best source for all of the information you’ll need to pay this bill the old-fashioned way is a recent bill. If you don’t have one handy, call the creditor. They may be hesitant to speak to you at first and then transfer the call to their bankruptcy department, but that’s ok. Just explain that you lost online access (can’t hurt to ask if they could unlock it, but don’t hold your breath) and need to make a payment. They can either give you all the information you need to make a payment by check or money order or take a payment over the phone right then. 

TIP: If you’re going to file bankruptcy and rely on online access to make payments for your car or other secured debt, make sure you have a recent statement with all the information you’ll need. If you’ve been relying on automatic payments, make sure to put some reminders in the calendar (or a sticky note on the fridge - whatever works for you) so you don’t forget to make your payments as they come due. 

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About the author

Andrea Wimmer, Esq.

Andrea practiced exclusively as debtors’ counsel in consumer chapter 7 and 13 cases for more than 10 years before joining Upsolve, first as a contributing writer and editor and ultimately joining the team full time in August 2019. While in private practice, Andrea handled all ban... read more

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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.

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