Post Bankruptcy Discharge, Car Was Repo'd. How To Proceed Next?
To keep it short my car was repo'd yesterday, and I'm lost on how to proceed next. I'm wanting to refinance it being that there's only about $11K on the loan, and the only reasonable option the bank has extended to me besides paying off the loan entirely. I have only 9 days left before it'll be sold off.
I received my discharge in the mail on July 23rd, so I failed pretty early on in this whole process to maintain paying my note like I said I would during my 341 meeting. I'm beyond embarrassed and ashamed of myself for messing up again.
I applied to my current bank (Navy Fed) for refinancing, but was denied. I can only assume, because of the bankruptcy and my low score as of today it's 534 and gone up and down since filing. Are there any bankruptcy friendly places I should go? Should I just let the car go altogether, and just try to hustle for a cash car while I rebuild my credit? I know that it isn't wise to go around applying non-stop especially since I've already been denied once. I'm genuinely lost and afraid on how to proceed.
I filed bankruptcy looking for a 2nd chance and here I am ruining it. Any help or advice would be greatly appreciated. thank you.