auto loan before ch7 BK...

[niconico]

so my 9 year old car with 170k miles decided to blow up yesterday. I asked my attorney if it would be ok to get a car before filing and he actually encouraged me to do so bc it would be another monthly expense to add to the list...

here is my problem (i probably know the answer)
eloan and my credit union will not approve me for a loan by myself.
I have asked my father to co-sign and still ... not approved.

could my father apply for the autoloan solo and I still consider it on my expense list? or does my name have to be on it?

my rational:

I rent an apartment with one other person and we split the bill's. some are in my name some are in her name.
but when my lawyer asked me what my expenses were he did not ask me who's name is it in? this make sense?

[dumbdumb]

i believe it has to be in your name.
if your father applies for the loan in his name then it is his loan not yours. but i could be wrong.

[niconico]

yes.

i know its his loan i just wanted to know if it would be taken into account when i file. my lawyer already said he didnt think it would a problem filing for chap 7 with the income and expenses i have now with out the car loan....oh well....thanks

[325Falcon]

How about having your dad buy the car then sell it to you? Like a buy here pay here. Then it would be legit expence.

[niconico]

really.....

so, he would purchase the car in his name with his low apr rate and than sell it to me? doesn't he have to own it outright to sell it to me? what, like a private sale?

im not familiar with the buy here/pay here.... what do yo mean by that>?