Editorial policy

Where our numbers come from

Statements about bankruptcy procedure cite the United States Bankruptcy Code, the Federal Rules of Bankruptcy Procedure, a district’s local rules, or a standing trustee’s own published form — and we name the document and the date it was last revised, because a trustee’s form from 2018 is not evidence of what that office requires today.

Rate, delinquency, and market figures come from primary publishers: the Administrative Office of the U.S. Courts, Experian’s State of the Automotive Finance Market, the Federal Reserve Board, the New York Federal Reserve’s Household Debt and Credit report, the Consumer Financial Protection Bureau, and the Federal Trade Commission.

We do not source figures from other lead-generation sites, dealer blogs, or content aggregators. Where a figure is disputed between sources, we say so and show the range rather than picking whichever number reads better. Where the law itself is unsettled — a circuit split, or a practice that varies by district or by trustee — we describe the disagreement instead of resolving it silently.

Data tables state their own reporting period and their scoring model. If a table says Q1 2026 and VantageScore 4.0, that is what the data covers, and we do not blend quarters or mix scoring models to make a table look more complete than the underlying data is. Auto APR tables always show new and used separately, because at the bottom of the credit range they differ by several percentage points and this audience overwhelmingly buys used.

How often we review

Review dates are enforced by our build system, not by intention. A page that passes its review deadline fails the build and cannot deploy until a person has re-checked it.

The date on each page is the date a person last reviewed it against its sources. We do not refresh dates to look current. There are currently 61 pages under this policy.

What we will not publish

• Any promise of approval. “Guaranteed approval” and equivalent phrases are blocked at the build level and can only appear on pages explaining why the promise is not credible.
• Invented statistics, rates, lender names, or program terms. If we cannot source a number, we give a range and say what it depends on.
• Claims that a specific lender will or will not approve a specific profile. Lender programs change constantly and stating them as fixed is both inaccurate and unfair.
• Fabricated reviews, testimonials, or ratings of any kind.
• Any suggestion that we can remove, repair, or erase items from your credit report. We cannot, and neither can anyone who tells you otherwise.

Corrections

If something here is wrong, we want to know. Send the page and the problem to editorial@bankruptcyautoloan.net. We aim to respond within five business days, and we correct errors on the page rather than quietly deleting them.

How our business model affects what you read

We are paid by dealers and lenders when we introduce someone to them. That is our only revenue, and it creates an obvious incentive: we benefit when you decide to buy.

Three rules exist because of that incentive. First, dealers and lenders pay for introductions, never for placement or favourable coverage — and we do not publish their names at all, because describing what a named third party will approve is a claim we are not in a position to substantiate. Second, pages covering financial distress and court procedure carry no calls to action. Third, if the honest answer is to wait, keep the car you have, or speak to your attorney before signing, the page says so — including the page explaining that a car financed during an open Chapter 7 is a post-petition debt the discharge will not reach, which is the most expensive true thing on this site.

The full explanation is on how we make money.