I Just Filed Bankruptcy But Want to Keep My Car With Toyota Financial. – Nancy

“Dear Steve,

I’ve just filed bankruptcy and will be keeping my car, but one month behind and will be caught up in 8 days.

I tried to make a payment on my car with Toyota Financial online and noticed that it didn’t go through. I called and they said that I no longer have access to the online payment center, but that I can make a payment on their automated system. I did and it accepted, but it hasn’t cleared my account. I told them that I will make another one in 8 days to come to a current status. They said that was fine, but it still hasn’t cleared. Why aren’t they accepting my payment?


Dear Nancy,

You should discuss keeping your car with your bankruptcy attorney. Ask them about reaffirming the loan so you don’t lose the car.

Please post your responses and follow-up messages to me on this in the comments section below.


You are not alone. I'm here to help. There is no need to suffer in silence. We can get through this. Tomorrow can be better than today. Don't give up.
Damon Day - Pro Debt Coach

Steve Rhode
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