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Who were approved through post BK and some details...

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  • #16
    Date Discharged: 12/29/2006
    Lender: Capital one
    Date Applied For: 05/11/07
    Approval Amount: 24,000
    Interest Rate: 9.95
    Term: 60

    I found an 2005 Pontiac Montanna loaded with 45k miles - paid 10,900. Boy have I missed my van in the 9 months since we turned it in
    Filed Chap 7 6/30/06 - 341 Meeting 8/1/06 -
    Deadline for objections 10/10/06
    US Trustee extended deadline to 12/9/06
    Dishcharged 12/29/2006


    • #17
      Discharged 12/18/06

      Family car was totalled in April, 2007. Began shopping for a car. Budget goal was $400/mo or less for payments.

      Local Ford Dealer offered 11% for 60 months thru a sub prime "Program".

      Approved with CapOne Blank Check, 4/27/2007, 8.95% fixed, $38,500, up to 72 months.

      Applied with Road Loans just for the heck of it a week later to see if we could get a better offer.

      Approved with Road Loans, 5/8/2007, 5.99% fixed, $28,000, for up to 72 months.

      Purchased a new 2007 today. 5/17/2007. Financed $25.5K, which includes GAP insurance, State sales tax, State wheel tax, and title transfer fee. Payment $422.50/mo for 72 months with no prepayment penalty.

      Part of the decision to go new was market related. Most used vehicles available now are already 3 years old. 30K-40K miles. Limited or no warranty remaining. Price range ran $18K-$22K. For a bit more, we could get new, with bumper to bumper warranty.
      Filed Ch 7 - 09/06
      Discharged - 12/2006
      Officially Declared No Asset - 03/2007
      Closed - 04/2007

      I am not an attorney. My comments are based on personal experience and research. Always consult an attorney in your area to address concerns related to your particular situation.

      Another good thing about being poor is that when you are seventy your children will not have declared you legally insane in order to gain control of your estate. - Woody Allen...


      • #18
        I feel you on that one. I am in the market for another vehicle and I have this one guy I am working with who is really trying to put me in a used honda I love the accord but there is very little warranty remaing,which i have to pay for extended warranty, and then the miles are a bit high, even those that were recent leases that were turned in....


        • #19
          Discharged One Week!!!

          Date Discharged: 5/25/07LAST WEEK!!
          Lender: RoadLoans
          Date Applied For: 6/1/07
          Approval Amount: $30,000
          Interest Rate: 9.99%
          Term: up to 72 months


          • #20
            Date Discharged: 02/28/2006
            Lender: Toyota Motor Credit
            Date Applied and Approved: 05/24/2007
            Approval Amount: $22,500
            Interest Rate: 7.8%
            Term: 63 months
            Down Payment: $5000
            Case Type: Chapter 7, Caused By Business Failure
            Filed: 11/18/07
            Discharged: 03/28/07
            Status: Awaiting Closing


            • #21
              Filed Chapter 13 in 2/02, failed, refiled 11/02, successfully completed mid September, 2007. I was approved for a Capital One Blank Check @ 6.38% but was able to secure the following at the dealer--

              Date Discharged: 9/2007
              Lender: Toyota Motor Credit
              Date Applied and Approved: 1/4/2008
              Approval Amount: about $27,000
              Interest Rate: 4.9%
              Term: 60 months
              Down Payment: $0 ($800 trade-in)

              My credit scores were in the low 700s...dealership said the score they pulled was 732.


              • #22
                Discharged 11-20-07

                Lender: Wachovia Bank
                Date applied and approved: 2-25-08
                Interest Rate: 13.99%
                Term: 60 Months
                Down Payment: $0
                Credit score: 625
                Car: 2003 Nissan Xterra (lease buyout)


                • #23
                  Lender:CapOne !!!BLANK CHECK ON THE WAY
                  Date Applied For:1st time 8/2/07 DECLINED
                  Date Applied For:2nd time 2/29/08 APPROVED
                  Approval Amount: $30,000
                  Interest Rate:OMG!!! 7%
                  Last edited by PlayRPay; 02-29-2008, 11:22 AM.
                  8/2002 Filed Chapter 13
                  1/2008 Discharged


                  • #24
                    Chap 7 discharged 2-06-08
                    Creditor: Honda Financial
                    CL: $22,400 7.36 % interest rate
                    Approved: YES!!
                    Applied: 3/7/08
                    Pulled: EQ - TU -EX
                    Score: 646(FICO) 658(FAKO) 593 (FAKO)
                    State: VA
                    IIB: No

                    I was also approved through Capitol One (11.45%) AND NAVY FEDERAL (9.25%).The Honda F & I rep stated that if you have new TRADELINES, Honda will usually approve you.

                    Cards that I've been approved for:

                    NAVY FED. PLATINUM $10,000
                    NAVY FED. NAVCHECK $8,000
                    JARED $800.00
                    JB ROBINSON $800.00
                    KAY $800.00
                    HOOTERS $500.00
                    TARGET $200
                    HONDA $22,500

                    Last edited by carolina23; 03-09-2008, 07:48 PM.


                    • #25
                      Car one: Planned on this one..
                      Date Discharged: 06/30/2006
                      Lender: Justice Federal Credit Unioun
                      Date Applied For: Sept, 2006
                      Approval Amount: $60,000 (pre approved credit limit)
                      Interest Rate: 7.5%
                      Term: 5 years

                      Car two: Wife hit deer and totaled her jeep (liability only)
                      Date Discharged: 06/30/2006
                      Lender: Justice Federal Credit Unioun
                      Date Applied For: 10/28/2006
                      Approval Amount: $60,000 (again pre approved credit limit)
                      Interest Rate: 7.5%
                      Term: 5 years


                      • #26
                        Date Discharged: August 30, 2006 (Chapter 13)
                        Lender: GMAC
                        Date Applied For: 4/27/06 (following Chapter 13 buyout on 4/11/06)
                        Approval Amount: $13,000
                        Interest Rate: 0%
                        Term: 4 years
                        Filed 5 Year Chapter 13: April 2002
                        Early Buy-Out: April 2006
                        Discharge: August 2006

                        "A credit card is a snake in your pocket"


                        • #27
                          After mine is discharged, I'm changing my life. No more expensive cars!

                          Im going to get a Harley and save on gas and enjoy the countryside................
                          Filed August 15th 2008
                          Closed: 2/23/2009


                          • #28
                            Originally posted by jenrw74 View Post
                            Date Discharged: 5/25/07LAST WEEK!!
                            Lender: RoadLoans
                            Date Applied For: 6/1/07
                            Approval Amount: $30,000
                            Interest Rate: 9.99%
                            Term: up to 72 months
                            Approved in less than a week of discharge? Amazing. I think I saw another post where they were pre-approved and not even discharged yet.
                            I know things are different for everybody, but this is great news for me. I hope I am in the same boat. I had to let my nice car get repo'd and have been driving a $2000 clunker. It's getting me by, but the weatherstrips leak water and the suspension is shot. The a/c doesn't work and the seat isn't comfortable. It starts and goes everyday, which is the important thing and gets decent's an 82 VW Rabbit, by the way. It's not bad for going to work and around town, but long hauls in this thing would suck. I worry a little about safety, too. No airbags in this thing
                            I don't want to get buried in something stupid I can't afford, but I need a more modern, safer, comfortable car. I think I will go for a barely used Toyota Yaris or Honda Fit.
                            Filed Chapter 7 4/29/08
                            341 Survived 5/27/08
                            Discharged 8/19/08
                            Case Closed 9/08/08


                            • #29
                              We were approved through Chase @ 9.45% for 60 months, 7 mos. after discharge. Oddly enough, we also have our mortgage through Chase and did NOT reaffirm, and my husband discharged $$$ with them on a CC in our BK7. Made me chuckle a bit...seems as though the left hand rarely knows what the right hand is doing.
                              4/7/07 Filed Ch7 :unsure:
                              6/6/07 341 meeting done :blink:
                              8/5/07 last day for objections :yes2:
                              8/23/07 DISCHARGED!!! :yahoo::yahoo::yahoo:


                              • #30
                                There's a joke there, but this is a semi PG forum.
                                Filed Chapter 7 4/29/08
                                341 Survived 5/27/08
                                Discharged 8/19/08
                                Case Closed 9/08/08


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