When you are discharged from a Chapter 7 bankruptcy, you are essentially starting with a clean slate, aside from the fact that you will have a black mark on your credit report from the filing for up to 10 years, potentially making it hard to find a lender who will approve you. However, if you did have previous auto loans that were in good standing or have paid off a vehicle since you filed your Chapter 7, you will have better chances getting approved by a lender. You just need to make sure you are working with a car dealership that has a financing team that knows how to work with unique financial situations.
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