Announcement

Collapse

Forum Rules (Everyone Must Read!!!) (updated: 04/28/2015)

Welcome to the Bankruptcy Forum. Bankruptcy (BK) Forum is known as BKForum.com and will be referred to as BKF hereinafter. In order to ensure a long term success of our vibrant community, we have established certain rules and guidelines to which everyone must adhere to. Please take your time to carefully read our rules, before you start to participate in the community.

Things you agree to do:
BKFORUM.com (BKF) users agree to use the search function before starting a new thread. This prevents duplicate discussions and allows for better organized topics.

All BKF users agree to read the sticky posts which may be available at the top of a forum page. These Sticky posts often contain valuable information. They may also outline more rules and guidelines specific for that particular forum, stickies are put in place by that forums moderator(s) or admin(s).

Things you agree not to do:

All BKF users agree not to call people names or write a post simply to make a personal attack, or get a negative reaction; this behavior is not allowed on our forum. The use of derogatory language aimed at anyone will be severely dealt with. There is no need to agree with each other, or to even like each other. However, by signing onto BKForum.com you agree to treat each member and guest with the respect they deserve. No threats or personal attacks will be allowed.

All BKF users agree not to discuss, engage, or encourage any behavior or activity which violates the law. Discussion of drugs, violence, murder, theft, vandalism, fraud or any other issue which could be used to help individuals break the law is strictly forbidden.

All BKF users agree not to "bump" old threads, unless there is a specific benefit to the community by doing so. But in most cases, please don't post in very old threads, instead start new threads.

All BKF users agree not to attempt/use another members account. It is against BKF rules to use any account other than your own. Impersonating another member will result in an immediate ban. It is also against the rules to open more than one account in your own name without permission from a moderator or administrator. If you have been banned for any reason, it is against the rules to open another account. If you were banned temporarily and you are caught using another account you will be banned permanently. Choosing a moniker which is similar in either sound or spelling as a moderator or administrator is strictly forbidden.

All BKF users agree not to private message any moderator, admin, or other member with questions related to their personal circumstances (Questions about the forum or issues with the forum are ok). This forum only works when members share their experience and insights with everyone.

Things you agree not to post:
All BKF users agree not to post any derogatory/racist/or sexist remarks. This includes attachments, links and all information contained within posts, signatures, and avatars, failure to comply with this rule will result in a permanent ban.

All BKF users agree not to post any copyrighted or trademarked information without the express written permission of the owner(s) / proper citation of source.

All BKF users agree not to post any real names, addresses, telephone numbers, email addresses, social security numbers, or any other personal details (their own or other people's).

All BKF users agree not to post links, pictures, attachments, videos, or the like of pornographic content, objectionable material or extreme violence, whether cartoon or real.

All BKF users agree not to use BKF for advertising purposes without a written contract between yourself/company/agent and the administration of BKF. Blatant advertising will result in a ban.

All BKF users agree not to spam the forums. Spam includes but is not limited to posting erroneous, non-relevant-useless, off-topic, or meaningless posts. Spam may also include posts which contain no text, or large areas of blank space between lines. Simply posting emoticons without text is considered spam. BKF is the largest bankruptcy message board and all the content is intended to help other users. Please help us improve the quality of our forum by making sure that your posts are well-worded, spell checked, grammatically correct and syntaxed.

Regarding actions of moderators and administrators:

The forum is no place to air out your opinion or be judgmental of our staff and its capabilities.

All BKF users agree not to abuse or mistreat moderators or administrators. It is against BKF rules to post any information regarding bans or any other action taken by a member of the moderating or administrative team. If you wish to discuss bans or warnings please do so via PM. To place a complaint against a moderator, send a PM to a super moderator. All Moderators are equal, any decision made by a moderator must be adhered to. If a moderator tells you something you do not like, do not go to another moderator looking for a different answer. If you are caught doing this you will be banned. The moderators work as a team and respect the decisions made by their peers and will help enforce them unless an administrator tells them differently.
If you have an issue with how the forum is run, then notify one of our administrator and we will look into the situation. We have in the past and still do appreciate any input that you offer this forum. But critical input and/or judgmental postings towards the staff will result in you getting banned.


Should you find a thread offensive or out of line, then notify a Mod in a PM so they can evaluate the situation and do the action deemed necessary.

All moderators do have active "other" lives outside of the forum and help moderate this forum in their spare time throughout the days and weeks.

If you have a problem with a member or Mod follow the proper channels of reporting it.

BKF reserves the right to delete any posts which contain anti-BKF comments or discussion. Any bashing of moderators or administrators, or any of their discussion or actions will also be deleted, and the responsible posting party(s) will be banned. Any public anti-BKF advertising, communication, or posts on another forum will result in permanent bans as well.

All warnings and bans are decided by individual moderators and administrators. Warnings are preferable to bans however, for serious offenses and repeat abusers bans will go into effect. The length of the bans can vary from several hours to permanent.

All messages posted or sent including through PM are the property of BKforum.com.

All BKF users agree not to advertiser on the forum (Niether by posting, private messaging or using your signature). If you are a company/attorney/legal adviser wishing to advertise on the site or sell a product, you must contact the head administrator and inquire about our advertising packages.

All bankruptcy related opinions expressed on BKForum.com are those of their authors and not necessarily of BKF, its staff or representatives.

You agree not to copy any material/post/content from BKF without written permission from our head administrator .

By posting on this forum you agree to these terms and conditions, including any punishment deemed appropriate by moderators or administrators in the event of an offense.

Administrators/Moderators can change these rules at any time without prior notice.
See more
See less

Back in the market, not by choice.

Collapse
X
  • Filter
  • Time
  • Show
Clear All
new posts

  • Back in the market, not by choice.

    AAAAAAGGGHHHH!!!

    Ok, just had to let that out.

    We've been very very good post-discharge. My plan was to not even attempt opening up any new lines of credit until two years past, then a small credit card, etc. I HATE credit. But...

    My wife gets t-boned by a drunk early Friday morning. Our beautiful red Dodge Charger R/T (pretty much the only nice thing we kept through BK) is toast. I'm gearing up for the insurance company fight, and have started applying (after a few beers, of course. ugh). Declined immediately by up2drive. I got "we'll contact you in a few days" from capone, and since I BK'd a credit card with them I'm pretty sure that's not gonna happen either. Roadloans approved for a whopping 19%.

    Any ideas? I have cash on hand and should get some $$$ from the insurance, but our 'baby' is dead. I'm pissed.
    Filed Chapter 7 08/06/09, unsecured debt of $109,000
    341 Meeting 09/09/09
    Discharged 11/12/09
    Closed 12/14/09

  • #2
    your insurance should pay for a loaner car until the money comes through.. then you could pay cash for another vehicle and not have to pay interest. unless of course you see problems with getting the insurance money or you need it for something else.

    Comment


    • #3
      You could try Capital One, I was able to get a loan from them last November when my car was totaled in an accident. One of the stickies at the top has a link to their website.

      Comment


      • #4
        I would definitely suggest Cap One Auto Finance. They gave me a very good interest rate (5.45 for a 2010 or newer car). I hated the idea of a payment too but with my trade in (your insurance money) and the interest rate, yesterday I got a 2011 Hyundai Tucson for less than $250 a month - and with gas savings (I had a Suburban) and my insurance went down, I will really only be paying about less than $150 a month.

        Cap One not only approved me but did when no one else would. Definitely try them. Best of luck and glad your wife is ok!!

        Comment


        • #5
          I would look at "captive" financing - Ford Motor Credit has been good to me.
          Chapter 7 Filed 8/11/2009, Discharged 11/23/2009

          Comment


          • #6
            Thanks all. I should have spelled it out better. I BK'd a Capital One card so I'm not optimistic about approval by them. I applied anyway, we'll see what happens. I'm so p.o.'ed! But yes, wife is ok and that's what matters.
            Filed Chapter 7 08/06/09, unsecured debt of $109,000
            341 Meeting 09/09/09
            Discharged 11/12/09
            Closed 12/14/09

            Comment


            • #7
              I BK'd on two Capital One cards in 6/2008 and was approved for a car loan 23,000 with them in January and I also got approved for another card from them with a CL of $1,000. Give them a chance.

              Comment


              • #8
                I would definitely try Capital One also. We had a credit card and a loan with them that both were included in our bankruptcy. In the past 2 weeks we were both approved for an unsecured card with them with 0% interest for 6 months and then a variable rate of 17%...not too bad considering!
                08-2009:Quit Paying Credit Cards
                04-2010:Hired 2nd Attorney;05-2010:Filed 7
                06-2010:341 Meeting (went very well)
                08-24-2010: Discharged; 09-02-2010 Closed!!

                Comment


                • #9
                  Hey killinstinst

                  Hey I BK Cap One w/ judgement, they did not approve me. I too was approved via Roadloans, put a "inquiry" into an used vehicle, and apply to a local dealer and you will be surprised what you can get. 3.16 "lost" my 2002 minivan" 3.17 "2011 Chevy Cruze".

                  Go local.
                  Filed Pro Se: 11.12.2010 ~ 341: 1.12.2011 ~ Discharged: 3.9.2011 ~ Officially an Asset Case: 3.30.2011 ~ Last Day to File Asset Claim: 6.28.2011 ~ Trustee Final Report: 8.1.2011 ~ Asset Distribution: 8.31.2011 ~ Case Close: 11.15.2011

                  Comment


                  • #10
                    Great news everybody. I was amazed to get a phone call from Capital One approving my wife and I:

                    $24000 max loan:

                    2006 model year: 12.27%
                    2007-08 model: 11.02%
                    2009 model: 10.27%
                    2010-11 model: 9.37%

                    We drove home in our new Dodge yesterday. The blank check was a piece of cake, went to the dealer and literally went through it like a cash deal. I kept waiting for the complication that never came. 9.37% is not much higher than the 7% I had pre-bk on my auto loan. Nice!

                    I plan on keeping debt to a minimum, we will use our insurance payout to deal with this, but we have the unanticipated benefit of building up our credit.\\

                    Thanks for the encouragement everyone. Hang in there! There is life after BK!!!!!
                    Filed Chapter 7 08/06/09, unsecured debt of $109,000
                    341 Meeting 09/09/09
                    Discharged 11/12/09
                    Closed 12/14/09

                    Comment


                    • #11
                      Try www.car.com.

                      Comment

                      Unconfigured Ad Widget

                      Collapse
                      Working...
                      X