I realize to go through with this I will be required to obtain credit counseling. I’m already on a debt management plan with Consumer Credit Counseling and can go through them. However, they (and other resources) don’t give a very direct answer for this question. Will I be able to get the loans or not? How bad will the interest be? And finally, if I have an active credit card with a zero balance, will I be able to keep that account open?
Financed cars is more expensive to insurance cause it requires full coverage. You can compare how much you would pay for full coverage of this car using this tool – carquotes.sinfree.net
Car loans are a dime a dozen, but which one should you go for? Especially if you are a prudent consumer with a balanced budget, getting the right auto finance can be quite a challenge, what with so many auto finance providers thrusting their offers in your face. Your dealer may even offer to do it for you. While this sounds really tempting, it may prove to be a costly affair. So do your own thing and check out the auto loans yourself.
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You can get these loans from a variety of sources, like banks and financial institutions and online financing companies. Dedicated auto finance companies usually offer better terms if you approach them directly rather than through some middleman. You should also keep in mind that your credit rating affects the interest rates and the amount of advance you can easily get, so if the picture is not too good on that front, you can begin by working towards improving your credit rating.
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You ask about loans for two different things which requires two different answers.
For a car loan, yes, you can get a loan. There will be lenders falling over themselves to give you car loan. Within two months of filing, you’ll probably get 6 to 8 offers in the mail. The problem is the interest rates will be sky high. Think in the neighborhood of 15 to 20%. For a car, the best thing to do is buy the car BEFORE you file bankruptcy and then re-affirm the loan when you file chapter 7. This will get you the loan at a MUCH MUCH MUCH lower rate.
As for a house, it’ll be quite some time before you’ll be able to buy a house. Two years at the very least. And then you’ll your only option will be an FHA loan (most conforming loan lender won’t look at you for at least 4 years). If you are losing a property in the bankruptcy, it’ll be at least 3 years. Even then, you’ll need a down payment and will certainly pay a much higher rate.
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Financed cars is more expensive to insurance cause it requires full coverage. You can compare how much you would pay for full coverage of this car using this tool – carquotes.sinfree.net
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