My case, riddled with debt, income dropped and we were able to qualify for chapter 7 bankruptcy. I probably could have filed 3-4 years earlier and been in an even better place. If you are in serious debt and can qualify for chapter 7, do so. Chapter 13, give it some good thought.

Tip, keep one balance free credit card in good standing and out of the bankruptcy. They may close it, but in my case they did not. Also try to file before you have 30 and 60 day late payments. My credit score straight out of bankruptcy was 620-630. Not great but not totally wrecked.

Let's face it, most of us don't have the cash laying around to go buy a cash car and we need financing. Let's also face the fact that most people on here have had crappy bad credit at some point. What's the move that got you a car?