We've been planning our chapter 7, and quit paying unsecured debt about 6-8months ago when we first met with our attorney. We had to wait for some OT to drop off our 6 month income, and get the $$ saved to pay attorney fees. Now, we've discovered that we have a positive DMI of about $250. We're looking at buying a car since we don't have car payments at this time (we drive 2 beat-up junkers). We thought we had a loan approval, and went in to pick-up the car, when the finance mgr said, "we know you're getting ready to file chapter 7, so we can't give you this loan" When I questioned how he knew, he said he saw on the credit bureau pulls, the pull our attorney had done last week (making sure that we had all debts/creditors listed). Naturally, its the weekend, and we can't reach our attorney until Monday. I've talked to another finance mgr, who says after we file 7,(before we've been discharged) he can work with us to get a loan -- but will that even work? Since we don't actually have the loan payment yet when we file
? If I can talk my mom into getting a loan for us, and putting me on as a co-signer would that work? Will it hurt her credit? Help...now I'm so confused, and don't know wha to do.
? If I can talk my mom into getting a loan for us, and putting me on as a co-signer would that work? Will it hurt her credit? Help...now I'm so confused, and don't know wha to do.