I filed bankruptcy a little over a year ago.
I defaulted on a boat loan and a credit card.
I re-affirmed the auto loan I had.
I have one payment left on the auto loan and when I called to find out the pay off they told me I still owed $40,000.00.
The pay off is supposed to be only around $450.00.
They had placed a lien on my truck for the boat and credit card loss and said they will not release the title until I paid the rest.

How is it legal to do this. If I had know they could do this I would have not reaffirmed the auto loan.
NO ONE explained they could do this during the bankruptcy.

Here is something-else you probably didn't know. If you file bankruptcy and cause them a loss, if someone writes you a check from Vystar you can't cash it at their branches until you pay off the loss.
I will tell everyone I know DO NOT EVER USE VYSTAR CREDIT UNION!!!!

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Malibu X Factor
Wilderness Ride 135

I don't think you should be blaming VyStar for YOUR financial mistakes. They have been great to me with my truck loan and when I'm ready to get another truck, VyStar will be in the running for my financing.

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OK Trident 13
OK Drifter 12
Northeast Outfitters Canoe 14