This is weird

[desperation]

Okay....for the last month I have been getting pre approval notices in the mail for guaranteed financing on a late model, low mileage car.

The letters state...no BK discharge is necessary at time of delivery...(whatever that means). I'm not even at the 30 days into exemption objections from creditors, and yet I'm getting these offers from local car dealers.

Also I'm getting letters just about everyday from CC outfits offering me anywhere from $300 to $30000 in credit on their Visa/MC cards.

Not that I want to get anywhere near a credit card these days, but what the hell?

Anybody else get these offers?

[CATCHMEIFYOUCAN]

All the time ! You are in the "new market," the creditors know you are "open for business." Now that you have no debt, they want to start over with you or new companies want to try their hand. Auto dealers are willing to finance you because they can and will give you a high interest rate - something like 25% ! Be careful with those CC offers offering you from $300 to $30,000. Often times with the ones offering you $300 you end up paying about that much to have their credit card!

Best of Luck, CMIYC

[littlephoenix]

yup, its like fishing, they know when to throw the line and with which bate ;)
stay away from the hook ;)

[Minnymouth]

BUYER BEWARE...............

Always remember what brought you to our forum.................and all that you have been through........

Don't walk this path again...............

[JRScott]

The first week after the filing I got nothing. Last week I got a CC offer, and this week another CC offer and a paper inviting me to the bankruptcy sell for cars at some auction. I kinda tossed the papers, they want to get us hooked again...we have to say no.

[stopthebleeding]

I never used to get them from the companies i am getting them from now too. I have been gettign offers to get a car and gas credit cards.

[desperation]

Thanks all, and Minny I absolutely understand what you are saying, and I totally agree.

I have about worn my poor shredder out with these offers.

I do plan to rebuild my credit, but it will be very slowly and carefully done. This is one of my life's lessons I do intend to learn from.

[freshstart06]

Heck, five days after I filed I got cc offer, car dealer offers you name it. My husband had a negative on his checking writing now he can write checks again.. Crazy....

[luckyone]

You will continue to receive these cc offers because they know you cannot legally file bankruptcy again for 7 to 10 years!!! Beware! Easy credit is what got most of us in trouble in the first place.

[PaKettle]

Okay....for the last month I have been getting pre approval notices in the mail for guaranteed financing on a late model, low mileage car.

...[snip]

Anybody else get these offers?

I got an offer for a new car just a few days after I filed, and this same company keeps sending those about once per week, in different envelopes each time so I don't know what it is and I get conned into opening it before I throw it away.

I haven't gotten any credit card offers yet, but I still have 30-some days before discharge.