if i purchase a car the same day of filing

[busbis]

My family is needing a car and my thoughts were I really ought to purchase before the filing. I am filing a 13 but I certainly can't get a loan during or after because of the rate. I figured or assumed that maybe if I purchased one on the day of filing and paid my car outside this plan who would ever know. Maybe I'm not to sure of how things work but is this something I could possibly get away with. I'm not trying to fraud but I need a practical vehicle with a decent rate. Your feedback is much appreciated.

[HHM]

That would be a bad move.

You can buy the car anytime before you file, and simply pay it outside the plan. It won't be a big deal.

[CATCHMEIFYOUCAN]

You would want to count your car payment as part of your 13 (but pay outside the plan THAT is). Because whatever your car payment is $250 or up is less disposable income you have to pay back through the chapter as well as insurance etc.

Catchmeifyoucan

I didn't have a car payment for the longest time, suddenly my car got flooded a month before I filed. My car payment was $350 a month. Had I not had a car payment the Trustee would have wanted $1150 a month instead of $800 into the ch13 plan .. you see!