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I'm not 100% sure but I believe that any large debts (over $1000 or so) that you incur within the 90 day period before you file is scrutinized. If you are still able to file, you can't guarantee that you'd keep the car while going through bankruptcy unless you reaffirm it. Also, if you don't reaffirm it, the entire debt falls on your co-signer. How far from now do you plan on filing? (excuse typos)
@j_casteel wrote:
Buy a Craigslist beater to get you by until you can buy something more reliable.
^^^Exactly right! Getting your family member involved now with a co-signed vehicle is not the right strategy at the moment. Get discharged - get on your feet first - then sign up for a vehicle with payments when you are financially ready.
Just my two cents as a person who is in the process of filing myself... Is it not possible for you to keep paying on the car til your bankruptcy.. I mean i am still making my car payments as normal even though i am going through m y bankruptcy process... Until i get to the part where its IIB or is that a bad thing to do?
It's my understanding that you can still keep paying on your car but it doesn't guarantee that you will be able to keep it if you aren't reaffirming. I think the most you get is a guaranteed 45 day stay. After that, it's up to the company although most probably let you keep it if the payments are caught up.