Both of my cars are included in my bankruptcy, even though I tried reaffirming, both banks denied my reaffirmation. My bankruptcy lawyer said that it would be ok and that my cars would not be included, but now my credit report shows a $0 balance on both vehicles. The bankruptcy lawyer told my wife and I that we would not be getting a good credit rating for on time payments of our cars, but never once said they would be charged off. I called one of my banks to see what was going on, and they said "oh yeah we reaffirmed your loan".... I'm in possession of a denial letter sent by my bank (both) saying they weren't going to reaffirm and even if they had in the first place, my bankruptcy discharge was a month before they even sent the denials. I feel there is something majorly illegal about all of this and just need advice on what to do. My lawyer also said that if banks or collections of any kind were still taking place "no matter what" I could get my money back because "technically" I'm paying for two zeroed out cars that weren't reaffirmed. HELP!