A couple questions I need help with (ProSe) than i think i can put this behind me

[gamblingsucks]

I filed bankruptcy in April of this year and have had my 341 meeting on June 14th. I was told the by the trustess office that im done on their end theres nothing else they need from me and this Thursday im going to turn into the court my final installment payment and my certificate of debtor education class. I think after that just sit back and wait I guess but I had some questions maybe some of you can help me with since I dont have an attorney to ask (ProSe)

#1. I have 2 bills leftover that came to me after I filed. One is for Sprint for I think $400 and the other is for Travelers Insurance for $440. Can I amend my unsecured creditors list but if I do would that delay my discharge since im done the 341 meeting? Could I possibly just tell them (Sprint,Travelers) that I filed and maybe they would delete it even though there not on my bankruptcy list?

#2. My 341 meeting was on 6/14 so when is the best time to "expect" a discharge letter to be mailed to me. Also when the court closes out your case after discharge what does that mean? Is that good or bad?

#3. I need a car ASAP and I am patiently taking a bus back and forth to work which sucks. After discharge where can I find the best deal on a car loan where I dont fell im being taken advantage of



Thanks Again,
Mike

[HHM]

#1...how old are the charges...are these past due bills you owe, or are they relatively current charges, do you have any service with Sprint. As for insurance, what is the insurance for, is this a past due amount...do you want to keep whatever policy the insurance premium is for.

#2...Discharge happens 60 days after the date of your 341 meeting. So, assuming your case is not held up for any reasons, the court should mail you your discharge papers on the 61st day from the date of your 341 meeting.

#3...can't help you there with any specifics, but generally, it can be very difficult to buy a car on credit, RIGHT AFTER discharge, especially if you have no money for a down payment. It's not impossible to get a loan, but your going to get such a horrible deal, on a crappy car, it is hardly worth it. You can try the Capital One Blank Check Program, but the people who had success with that program, usually took some steps to rebuild their credit after discharge, and waited about 6 months from discharge before applying.

[gamblingsucks]

#1 These are relatively current charges. I no longer have service with Sprint because they were a major contributer to me going bankrupt and Travelers Insurance is for an Auto Insurance policy that was billed to me in April in which I no longer use them.It was a suprise bill