I have been lurking on the BK forum for the last few months and thought I would finally make a post. I filed for BK13 on 07/05/2024 due to being sued and wages being garnished. With the garnishment I would have been evicted and lost my car as well. Of course, everything stopped with the automatic stay in place. I paid into my CH13 for a little over a year but I decided to convert my BK13 to a BK7 on 08/07/2025 due to some costly car problems that I am unable to repair. I had my 341/MOC on 9/11/25 and I am now awaiting discharge expected around 11/11/25.
I am aware that I can now try to get a car while awaiting discharge since I will be giving this one up. I have had horrible luck with multiple dealers giving the run around, however. The initial dealer I contacted stated that they work with Open BK and ran my credit app but then came back saying they can't because its a conversion from CH13 to CH7. They advised me to wait until after the 341 and then we could get it done. I was upset and decided to not go back in and just wait it out because why did you ding my credit if you knew this beforehand?? I waited a few weeks after the 341 and after they pestered me to come in, I finally get there and they say sorry they can only do a loan inside of a Ch13, with the 7 they have to wait until discharge date. Basically miscommunication all over the place.
Following this I went online to the BK Freshstart website that I had been getting mailers about. I put in my information to see what they offered. Lo and behold they don't tell you anything and just state one of their dealerships would be in contact. What dealership calls and emails me? You guessed it! They one that has been giving me the run around since August. With all of that being said, can anyone who has been in a situation such as this please advise? I am burning C1AF in this bk7 on this car that is just about broken down. I have heard that they will finance you again after burning in BK. Anyone have luck on that? Also if anyone with scores around my range can tell me interest rates they received before discharge or immediately following discharge that would be amazing! Also, I currently have no CCs should I get one before buying the car for revolving credit boost or should I wait on that portion of my rebuild?
For reference:
I don't have a lot of money to buy a cash car so I will definitely need to finance and there is NO public transportation in my area.
My current FICO8 Scores are: EQ 635, TU 603, EX 610.
My current FICO Auto8: EQ 645, TU 556, EX 586.
