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yougotmail28 · Joined: 06 Oct 2009 Posts: 1 1.32 Dollars($)

I have one more year left of my 3 in Chapter 13 bankruptcy. I was recently approved for a small credit card at a car repair shop that will be good to help rebuild my credit. I help take care of my disabled mother and make payments of two of her credit cards. I would like to get a small personal loan to pay them off so it would be also working towards rebuilding my credit since I make the payments any way. Do you know of any institutions that would work with me? I could use my car as collateral.

jenkin7 · Posted: Wed Oct 07, 2009 2:50 am Post subject:

Hi yougotmail,

Generally, one needs to wait for at least 2 years after a chapter 13 discharge to get approved for a loan. But the lenders may still offer you a loan before the discharge, if you have made your payments on time for 1-2 years during the chapter 13 repayment plan. However, given the market situation, it could be hard to find any such lender. You can contact any of the local lenders and see if any of them can give you the personal loan.

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