bankruptcy discharge?
436577
First, the trustee was saying that the lien on your car was perfected, which means the trustee wouldn't be selling your car in the bankruptcy.  Next you need to decide if you want to keep the car you already have.  Some questions that can help you decide that are as follows:\n\nHow much do you owe on the car?\nHow much is the car worth?\nWhy do you need to replace the car?\nWill the creditor allow you to reaffirm? (Reaffirm is to allow you to continue to pay on the loan you had before the bankruptcy.)\nIs redemption a possibility? (Redemption is the right you have in a Chapter 7 bankruptcy to buy the car for what it is actually worth, not what is owed on it -- I've attached the site to one company that will actually help you finance a redemption or a replacement vehicle.)\n\nIf none of these options work for you and you simply want to surrender your car to the lender, then you will need to work with any number of car dealerships and lenders that work with people coming out of bankruptcy.  My biggest beef with Stephen Snyder is he acts like Ford Motor Credit is the only decent lender out there.  This simply isn't the case.  Also, some have suggested that it is impossible to get financing while in your bankruptcy, this is not the case.  Many will wait until your discharge, but almost as many will finance you know that you have attended your creditor's meeting.\n\nFollow these simple rules and you won't go to wrong in your car shopping experience:\n\n1.  Check out the real value of the car you are buying through Kelly Blue Book or NADA.  You don't want to pay more than mid-book for your vehicle.\n\n2.  Compare the interest rate to the value of the car.  I knew one individual who purchased a $3500.00 car for $7000.00 because the interest rate was 7%.  A low interest rate does not mean a good deal.\n\n3.  Use Credit Unions, Banks or Major Auto Manufacturers Financing.  I've seen a lot of success with Toyota Motor Credit if the down payment is sufficient.  Avoid secondary financing institutions, ie Americredit, Transouth, WFS, etc.\n\n4.  Get your financing first before you go shopping.  Know what you have to spend and what you've qualified for, then it makes it easier to insure that the value of the car matches what you are paying.  To do this, talk to the finance office first before you look at cars.  Explain your situation and ask for specific terms.\n\n5.  Get as much of a down payment as possible.\n\nGood luck and happy car shopping.
499595
I filed 6/05 and discharged 9/05, I have some problems getting credit.  But Right after I filed I applied for a Rewards 660 Visa Card and was instantly approved.  This card specialized in people who have filed bankruptcy.  I also have an Orchard Bank M/C, Target Guest Card, and a Hooters M/C with a limit of $1k.  I have been cleaning my credit up now since my bankruptcy has been discharged and I recently was approved for Capital One Auto Finance Blank Check Loan.  I just got my new car on Sunday. I think I'm ok now with the credit accounts I have now, so I'm just building up my credit and making all my payments ON TIME!!! That's the key!  Good luck...Believe me filing Bankruptcy IS NOT the end of the world, you can have good credit again.
654345
Domestic support obligations are not dischageable. Other obligations can be up to the discretion of the bankruptcy court.  Good Luck!
814380
Talk to your attorney or pull your credit. It depends on if it has been discharged yet.
192403
My ex-husband's car was repossesed. Then when he didn't pay off the balance due, they tried to come after me because my name was on the original loan. What a mess. No bankruptcy for me, but I know people in both Florida and California that have worked after filing bankruptcy.
279922
In some legal situations, with Bankruptcy being one example, you are at times placed in the position of discharging or reaffirming a debt.  To discharge the debt [sometimes referred to as 'forgiving' the debt] - it evaporates and the debtor no longer owes you anything.  To reaffirm the debt means you still want your money, you do not discharge the debt.
706849
As long as the creditor is listed on your bankruptcy, once you have a docket number, they are not to contact you at all. I just filed, and I have one creditor who hasn't been able to find me and since I filed all of a sudden has the guts to call my home, they are NOT suppose too.  They are free to come to the meeting of creditors. If you have forgotten this person and they are not listed, you need to contact the Bankruptcy court (or attorney, I did mine pro se) and add them to the list.  You don't want a discharge and then forget someone, then you credit will be worse, the one you forgot will be on there, credit won't be clean. Hope this helps, good luck to you, Bankruptcy is rough!
400076
Yes, I just did.  I did a chapter 13 a month ago.  I had to do a one hour telephone interview with a bankruptcy approved consumer credit counselling service (my attorney gave me the phone number), and they gave me a certificate that said I was approved to file a bankruptcy, which they sent to my attorney.  All of my unsecured debt was released, and I'm on a 5 year payment plan with the bankruptcy trustee to pay off my cars, and some income taxes.  Almost $10000 of credit card AND payday loan debt was washed away!  Saved my life!  Good luck!  (BTW...Torkhum, one of your answerers, doesn't know what he's talking about...the new laws only effect about 2% of the population when everything is said and done, once you get bankruptcy approved interview with the CCC service your attorney recommends to you)
993716
Nothing.  Student loans are not dischargeable in bankruptcy.  Your lawyer should have told you that.
181310
You should take action right now to start to clean up your credit.\n\nTake your discharge letter and the list of creditors notified and send that to the 3 credit bureaus asking them to change the reporting of those accounts as "Included in Bankruptcy". This will take about 30 days. \n\nYou will possibly see some of the accounts deleted do tho the fact that some creditors "write off" the discharged debts due to your bankruptcy. Other creditors will change their reporting to be included in bankruptcy. Still others will report the late payments they showed before your bankruptcy and won't change it because they legally aren't required to.\n\nCheck out Stephen Snyder's website www.lifeafterbankruptcy.com He does free seminars nationwide to show you how to clean up your credit and re-establish good credit as fast as possible.\n\nGood Luck
189505
Go to several dealers and interview the finance people and tell them your situation. A car dealer wants to sell you the car so they will work hard to get you financed. \n\nIt would be helpful to you that all your accounts that were discharged in Bankruptcy report on your credit files as "Account included in Bankruptcy". IF you haven't done so then get copies of your 3 credit reports at www.annualcreditreport.com. It's free by law once a year. Review your files for accuracy and dispute any item you believe to be negative. Each investigation will take approx 30 days.\n\nWhen you are ready to buy make sure you do all your rate shopping within a 14 day period so that all the inquiries will only count as one.\n\nGood Luck
515787
I've done bankruptcy for years for clients; the website is slick, but I've never heard of these people, and I'm in Texas.  Check them with the Better Business Bureau and the State Bar of Texas -
720035
Earn an honorable discharge.
664804
They will not discharge your bankruptcy until you do so.  The judge/trustee will dismiss it and collection procedures will begin again by your creditors.
712537
Okay, I'd say bankruptcy is in order.\nTrust me, I know what I'm talking about from unfortunate experience!!\nI was in a position where I was consuming more than I was providing...happened over a course of a year, while hours at work slowly disappeared and my lifestyle stayed the same...\nI was young enough, that although it's a black mark on my record for years, it's not the end all for me.  \nYou will not owe if you go bankrupt.  You will pay fees for nine months or so, then will have nothing more to pay.  But your credit will be bad, and so you'll have to depend on a steady job and a consistent cash flow for 7-9 years (or perhaps even longer).  I'd see a bankruptcy lawyer if I were you ( I found mine in the yellow pages), and get this started.  There's no point in waiting any further.  \nGet it over with, and if you aren't so young, there are still places willing to give anyone a loan.  "Bad Credit, No Credit, NO PROBLEM!!" They will have hefty interest though, so pay the bills on time!!\nAnyway, good luck....
255352
In most cases, after you have declared Bankruptcy and been discharged of all your debts you become a "better credit risk" that you were before.  You should have no trouble in obtaining a loan for a car [provided you need one...if not dont go that way].  Of course you must be able to show that you can pay for it based on your income.  The interest for anything you do will be high from now on....You can also try for a loan from a small loan company that reports to the credit bureau...borrow around $50 to $150.00 and pay it on time [basically three payments]....then go for one in the $150-$300 range and again pay it a few days ahead of schedule...make sure the place you go (1) report to the credit bureau and (2) is going to give you the loan - since credit inquiries cost you "points" on your credit score.  Last try for a "store" card....department store, ask for low credit line....talk to them first before you file an application for there card.
357290
Go to Lendingtree.com\n\nI got a Mortgage after my wife declared bankruptcy.