That would be at the lender's discretion. Call and ask. Banks don't like to repossess and if you are making an honest effort to correct the default they will probably go along with you.
As long as you are in default, they can repo. Try to catch up the month behind. Send $5.00-10.00, whatever.
The next month.
but were behind one payment from the year before?":**** you answered your own question, didnt you? Pay them $5.00 per month on the way behind payment and maybe they will be quiet. LOL
The cheapest you can go is by making payments every month
Default means that you have not made the agreed-upon payments in full on time. You may be making partial payments (ie, paying $250 a month instead of $350 a month), but still be in default.
Default means that you have not made the agreed-upon payments in full on time. You may be making partial payments (ie, paying $250 a month instead of $350 a month), but still be in default.
Yes but it will also list that you are making payments!
Usually you must be several months behind on payments before they can shut off power. You could potentially get several months behind while "paying on the bill each month" if those payments were so small (e.g. $1 per month) as to have no practical effect on the accumulating balance due, but this might be a judgment call and talking to them about reasons you can't pay more at this time and how to get assistance would help prevent disconnection. However you made no comment on the size of the payments you are making, so I don't know if this is your case.
I need to know how long does it take the bank to repo your car if you are 2 payments behind. Can I make arrangements to make a payment next week
Your bankruptcy was not discharged, unless it was thrown out of court. Your debts were discharged. You can keep making the payments, find somebody who will take the car and make the payments, or call the lender to make a "voluntary repossession." You will then learn what a dumb move it was to buy the car, since you will be liable for any deficiency and you cannot file c. 7 again for 8 years.
No, it won't hurt your credit. In fact it will improve your score.
If they are accepting your payments, they probably won't take your car.