How can I handle this old debt (collection)?

Question

Should a car still be on my credit report from 1999-2000? I was under chapter 13 and refiled the next year. I had a car under it, it got totaled and the insurance covering chapter 13 paid it off and let me into another car to begin my payments where I left off on the previously wrecked car. I hadn't paid chapter 13 since I got hurt on my job in 3/99. I guess they didn't check that before letting me into another car. Can this car still be on my credit report as an open account. Shouldn't it be gone by now. My chapter 13s are still there, I understand they don't go away for 10 years if they were dismissed as opposed to discharged. But this car was repossessed in 2002. 2002 wasn't the last payment but if they sell the car and charge me the difference, does that start me over with the SOL?

I couldn't make the payments so I just returned the car before I left the state in 2002. I don't have any judgements on my credit report. The car is showing up as a collection account.

Answer 1

I am really confused. Was the vehicle discharged in your Chapter 13? Or were the Chapter 13s both dismissed and the vehicle subsequently repo'd?

When a car is repo'd, they sell it cheap at auction and then come after you for the balance plus all sorts of legal fees. If they got a judgment against you, the clock starts from the date of that judgment. Judgments are usually good for 10 years and can be renewed.