About
About Bankruptcy Auto Loan
This site explains how vehicle financing actually works while a bankruptcy case is open and after it closes. There are 61 pages, and each one quotes the statute, rule, or published form it relies on, with the date that document was last revised. Bankruptcy Auto Loan is not a lender, not a dealer, and not a law firm. We are a free matching service that connects shoppers with dealers and lenders that finance borrowers in or after bankruptcy.
Why this site exists
Search anything about buying a car in bankruptcy and almost every result gives you a national answer to a question that is answered locally. “You need a motion. It takes 30 to 45 days.” That sentence appears on page after page, and it has no source. Whether you need a court order at all, whether a written request to your trustee is enough, and whether there is a dollar threshold below which nobody needs to be asked, are set by your district’s local rules, your confirmed plan, and your standing trustee’s own published practice.
Those documents are public. Almost none of them are written for a consumer, indexed together, or dated on the page. Assembling and translating them is the whole point of this library.
What we do differently
Three commitments, and they are enforced by the build rather than by good intentions. A page that breaks any of them cannot be published.
- Show the source and its date.Not “trustees typically cap payments around $500” but the office that publishes that cap, the form it appears on, and when that form was last revised.
- Say so when nobody knows. Whether rolled-in negative equity defeats 910-day protection is a circuit split. Whether a loan you did not reaffirm keeps reporting is furnisher practice, not law. We publish the shape of the disagreement instead of picking the tidier answer.
- Say the unprofitable thing. A car financed during an open Chapter 7 is a post-petition debt that the discharge will not reach. That page costs us leads. It is also true, and nobody else in this category will tell you.
Who we are, and what we are not
Bankruptcy Auto Loan is not a lender, not a dealer, and not a law firm. We are a free matching service that connects shoppers with dealers and lenders that finance borrowers in or after bankruptcy.
This is general information, not legal advice. Decisions about incurring debt during an open bankruptcy case belong with your bankruptcy attorney and, in Chapter 13, with the trustee and the court.
This site is operated by Integrity Leads LLC, which has worked in automotive lead generation for years. We are paid by the dealers and lenders we introduce people to, and how we make money sets that out in full, including what it means for what you read here. If you want to see the standard the pages are held to, read the editorial policy.
Corrections
If something here is wrong, we want to know, and we would rather hear it from you than from a reader who relied on it. Email editorial@bankruptcyautoloan.net. Corrections are made on the page, and the last-reviewed date moves when they are.