Hi and thank you for your question. In the future, you can request me to answer any further questions.
While in theory you should request the court for permission to obtain credit during the bankruptcy case, it is usually done in chapter 13 cases.
Bankruptcy cases usually stay open for just 90 days, unless there is an adversary objection pending, or if the trustee is liquidating assets.
If you received your discharge, you can get new credit though, even if the case hasn't closed. You wouldn't need permission
We filed Chapter 7
It has not been discharged yet... does that matter?
If you do bring a motion to obtain credit, you just need to show that you'll have the funds to pay the loan, and that it is reasonable (aka not a luxury car) and necessary - if it's the only car, then it will be.
These motions are generally not brought, since the lenders want you to be discharged.
Thank Terry. So botXXXXX XXXXXne, the fact that there is a credit inquiry on my report in December shouldn't cause the bankruptcy not to be discharged. Right?
You should talk to your lawyer as to why the case is not discharged yet. make sure you have submitted all documents as needed, and that you have taken your post-filing debtor education counseling course, and your lawyer filed the certificate of completion with the court.
nah, no big deal.
inquiries are not an issue.
thanks for your question, good luck
Thank you, XXXXX XXXXX me great peace of mind. We did take the post-filing debtor course, and the Trustee did declare us as having no assets.
Have a great Sunday!
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