top Ad Widget

Collapse

Announcement

Collapse
No announcement yet.

Chapters 7 +13 = 20 question

Collapse
X
Collapse
 
  • Page of 1
  • Filter
  • Time
  • Show
Clear All
new posts
Previous template Next
    #1

    Chapters 7 +13 = 20 question

    Hi all,

    Has anyone filed a Chapter 20 and then experienced problems trying to get a car loan?

    I am interested in obtaining a car loan and have even tried, but come back with this response:

    "We can not issue funding due to a Non-dischargeable Chapter 13."

    I have not incurred any new debt in between Chapter 7 discharge and Chapter 13 filing (discharged on 3/2006 from 7; filed Chapter 13 8/2006) Chapter 13 case is now completed and closed.

    Can't they just except my Chapter 7 discharge because I didn't qualify/want a Chapter 13 discharge?

    The only reason I filed a Chapter 13 is to pay Mortgage arrears.

    Any help would be appreciated. This is all so confusing!!!
    Filed Chapter 13: 8/2006, Confirmed: 10/2006
    Total # of payments: 60 / ZERO REMAINING!!
    Case CLOSED: 01/27/2012
    Tags: None
    #2
    Who did you try to get a car loan through? Have you tried more than one place?
    I am not a lawyer and this is not legal advice nor a statement of the law - only a lawyer can provide those.

    06/01/06 - Filed Ch 13
    06/28/06 - 341 Meeting
    07/18/06 - Confirmation Hearing - not confirmed, 3 objections
    10/05/06 - Hearing to resolve 2 trustee objections
    01/24/07 - Judge dismisses mortgage company objection
    09/27/07 - Confirmed at last!
    06/10/11 - Trustee confirms all payments made
    08/10/11 - DISCHARGED !
    10/02/11 - CASE CLOSED
    Countdown: 60 months paid, 0 months to go

    Comment

      #3
      Did you go through USBank's 722 Redemption program? This just seems real odd. I have never read a reason like that before. I would "shop" the loan at several banks all within the same week. (Shopping car loans in a 7 day is better since all the inquiries are treated as one during that period.)
      Chapter 7 (No Asset/Non-Consumer) Filed (Pro Se) 7/08 (converted from Chapter 13 - 2/10)
      Status: (Auto) Discharged and Closed! 5/10
      Visit My BKForum Blog: justbroke's Blog

      Any advice provided is not legal advice, but simply the musings of a fellow bankrupt.

      Comment

        #4
        I have tried everyone. No finance company wants to touch me with a Non-dischargable Chapter 13 and all the credit unions I've called wants at least 5 yrs OUT of bankruptcy.
        Filed Chapter 13: 8/2006, Confirmed: 10/2006
        Total # of payments: 60 / ZERO REMAINING!!
        Case CLOSED: 01/27/2012

        Comment

        Previous template Next

        bottom Ad Widget

        Collapse
        Working...
        X