Ever since I filed Chapter 7

[aachudneymiles]

Ever since I filed back in Nov 2007, I have been get these letters from companies trying to loan us money and get cars.. My mother told me it would be this way but dang letters everyday trying to put me right back in debt.. of course I throw them right in the trash but if I was dumb like I was when I got in this sitiuation I would call and inquiry.. and they make it seem as if they are really there to help. It's crazy...

[magyar123]

Yep It's A Bummer. Once These Car Dealers Find Out Who Filed They Know Who Is Out Of Debt - And Try To Con You Into Getting Into Debt Again By Sending You That Crap. They Want To Get Rid Of Cars Sitting In Their Lots. They Know That For Several Years After Filing You Won't Be Able To File Again - And Finance You With Loanshark Lenders.

[CoCoChanel]

All that stuff is crap, however if you read some of the archives here, there were those who filed that were actually able to find reputable dealers who's intention was not to take advantage of people. I think they even had a website that they were giving out to people on this post.

[FreshLikeADaisy]

Yeah, I figured I was about to get firehosed with all that, so I got a mailbox just for the bankruptcy so that it wouldn't flood my folks' home mail. I hate hitting them up for anything, but this was one request that they were happy to oblige.

This way, assuming they actually use the mailing address on the bankruptcy, it will only hit me and I have no problem with throwing them in the trash. I'm only sorry that perfectly good trees are being killed for useless crap like this. I resent it too. One thing about all that has happened to me: I have learned that there is no lack of people ready to exploit the disadvantaged, and no limits on what they will do. *sigh*

[PaKettle]

I got one of those letters about buying a new car even though I was in bankruptcy - and we haven't even had our 341 yet!

It was a Honda dealer about 60 miles away from us, promising us low rates! (Yeah, right!)
Fortunately I just bought a new car last year when my credit was still good and I got a great rate!

[genseeker]

If you opt-out with the credit bureaus you will get less junk mail. It won't stop all of it but it will stop some. We filed in Sept and are now discharged and so far we have received 4 offers between the 2 of us. By contrast, when my sister filed she was not opted out and she was receiving 3 or 4 per day for weeks.

Google "opt out prescreen" and the first link should be for the correct site. If you are opted out, you can also opt back in as well. It covers all the main CRA - Equifax, Experian, Trans Union and Innovis.

[sandhall]

that is what we did opted out and between the two of us we have gotten three pieces of mail.

[aachudneymiles]

If you opt-out with the credit bureaus you will get less junk mail. It won't stop all of it but it will stop some. We filed in Sept and are now discharged and so far we have received 4 offers between the 2 of us. By contrast, when my sister filed she was not opted out and she was receiving 3 or 4 per day for weeks.

Google "opt out prescreen" and the first link should be for the correct site. If you are opted out, you can also opt back in as well. It covers all the main CRA - Equifax, Experian, Trans Union and Innovis.

well we get like 4 a day ... I am opting out now.. and i dont care what company it is we have got some from big companies as well as little ones... they all are writing for one reason --to get your money ... From bank one on down .. its a trap..