I want to file chapter 7.
I let go of everything…my dad passed a year ago and I fell into a deep depression. He was diagnosed and gone within 2 months and I couldn’t handle it. I stopped paying my cards, my car payment, everything. I was able to get on FMLA and keep my job but the days I missed were all unpaid.
I kept struggling to keep my car payments on time but they came close to repo-ing it twice. This final time, last week, I was on the phone with my work getting laid off and missed a call from my car loan company. They charged my account off.
Anyways. I have to get the car sold or refinanced. I found a dealer to buy it and pay it off but will that affect my chances of being able to file?
I also need a vehicle but with no job at the moment AND horrible credit I doubt I’ll be able to get a loan.
Any advice would be so appreciated. Mostly I would like to know if selling my car right now will affect my chances of being able to file.
In Missouri per post rules.