We filed bankruptcy in Central District of California on August 31, 2010. We have not received a discharge yet, however, our lawyer says we shouldn't worry because the courts are taking much longer right now.
Back in December my husband and I were talking about letting our Ford Edge go with the bankruptcy, instead of catching up the payments. We were thinking it might be better to get a used car with a lower payment (our current payment is $520). So I found a dealership that works with people that have filed bankruptcy, and we submitted an application online to see if we would qualify. The dealership called us and said there shouldn't be a problem, but we would just have to wait until our BK was discharged.
Since that time (December), my husband and I decided to let our Edge go, which they repo'd yesterday, and to try to hold off on getting a used car as long as possible. My parents said we can borrow their car on days we need it.
I went online once again to try to find information about auto loans and bankruptcy. I got concerned because this time I found a few articles that said that you need to submit a written request to the Trustee
to get approval to finance a vehicle. I'm now worried that me submitting an online application to that dealership in December might cause a problem with our discharge. I just pulled my credit, and the inquiry date shows "Credco Auto Reseller" on 12/29/10. I'm worried that in black and white it will look like we were actually trying to get the used car already without having the approval of the Trustee, which is not the case.
Should we write something to the Trustee explaining?
I have already emailed my lawyer, but I just wanted to hear another laywers view as well.