Car buying after dismissed ch 7???

Not really an "after the discharge" question but here's my situation:

Filed ch7 in Sept 2008 (GA), 341 meeting on 11/4, went fine. However, the trustee's office is now questioning whether or not I have enough disposable income to pay a little something back each month in a ch13, long story short, they have requsted and been given an extension to review my case.

In all reality, it will most likely be recommended to be converted to a 13 or I will have the option of letting the the ch7 filing be dismissed and re-file under a 13.

So, I have a 2002 model vehicle with 96,000 miles on it now which I am still paying on and was planning to keep through the ch7 and after, but now with the real liklihood of being in a ch 13, I would be keeping this car for 5 years, which will pose some real issues for me in terms of maintenance and repair costs to keep it running over that time period.

Question: Do I let them dismiss the ch7 filing and go trade this thing in for something new that has a warranty and all of that, then re-file under 13? My atty said that is an option for me, IF I can find someone who will finance me with a dismissed ch7 and all the debt on my credit report. But, is it even possible to find a lender that will do this??

Any thoughts/info/advice would be GREATLY appreciated!!

As lenient as car lenders are, getting financed with a dismissed chap 7 can be difficult because you still have ALL your other credit issues.

You can easily buy a car even IN a chapter 13.

I was told by my atty that buying a car while in a 13 can be very very difficult, b/c it 1st takes court approval, then you have to find a lender who will actually loan. Sounds like an uphill battle to me vs trading a car in while not in an active bk, but I could be wrong.

No one has any info or experience with car buying during an active ch13 or after a dismissed ch7???

Anyone?

I was discharged 12/8/2008, got approved by Honda Finance for 19%, but the car payment was too high. Went to another dealer and got approved by Americredit for 16.5% for 5 years and got a great deal on a 2005 Mercury.

Americredit isn't the greatest company, but I needed a car. Also used fundingway.com and got approved at another dealer, but no cars that were worth it.

No one has any info or experience with car buying during an active ch13 or after a dismissed ch7???

Anyone?

All you can do is go out and try. As I already said, you can get a car IN a chap. 13, you just need trustee approval. However, having a dismissed chap 7, who can really say. I say your chances are slim because you will still have all your other credit issues in addition to the BK.