If the Chapter 13 was dismissed before the Plan was completed and the balances of unsecured debts discharged, you may have a difficult time getting a car loan.
If the Plan was completed and you have a discharge, you will be able to get a car loan at car dealers, but you will pay a high interest rate. If you make on-time payments for 6 months, you may be able to get a refi on the loan at a lower interest rate.
Your best bet is to open an account at a local credit union and apply there for a car loan.
No, there is no extra charges on an insurance policy for a financed vehicle. Only difference will arise in the paper works, and it will mention that the vehicle is hypothecated.
Definately, and they often are. When you filed bankruptcy, you and your property were protected under the automatic stay. When you failed to satisfy the trustee during the bankruptcy and it was dismissed, the stay was lifted. At this time, neither you nor your property are protected. Repossession activities may and often will continue. Repossession is a waiting game. They have seven years from the date of your last payment to recover collateral or take other action to satisfy the debt.
Any lender requires insurance if the vehicle is financed.
Legally? Yes.
You would have to pay off the entire amount of the loan plus any penalties that have been incurred.
put sugar in the gas tank
Possession is 9/10th of the law. Not if the vehicle qualified to be listed in the bankruptcy filing. In which case no action pertaining to the vehicle can be taken until the bankruptcy proceedings are finished.
Yes, a person can have an expired inspection ticket dismissed if they get the vehicle inspected before the court date. It is very important to have a safe vehicle on the road.
With new bankruptcy laws that is no longer possible. If the person files for bankruptcy and includes the vehicle they will have to pay the entire amount of the loan.
They cannot so long as the Bankruptcy is active. As long as Bankruptcy procedings continue, you and your property are protected by the automatic stay. Lenders cannot move to secure collateral until after the stay is lifted when the BK is discharged or dismissed. Once this has occurred, if the payments are not current on the vehicle and it was not reaffirmed in the BK, then the lender may take what means are necessary to secure their colateral. If the property was included in the BK, the trustee will have you make arrangements to turn the vehicle over.
What is a Delaer?
Probably yes. The reason for the "probably" is that you don't file bankruptcy on specific loans... you file bankruptcy in general, and it applies to most debts (there are certain types of debts that are not dischargable in a bankruptcy). Note that if you do file bankruptcy, you may have to sell the vehicle. In bankruptcy you are often required to sell certain assets in an attempt to at least partially pay off your creditors; you're allowed to keep a certain amount of equity in a vehicle specifically, and a certain amount in "general assets" (which can be applied to a vehicle or to cash or other personal property), but if the vehicle is worth more than that, you would have to sell it.