Re: Interesting Case
good luck with either one. I suspect you will be relegated to a buy here pay here lot or some similar exorbitantly high interest rate situations.
1) Buy / Lease before filing chapter 7? During? After? More specifically referring to the auto loan itself for the aforementioned.
and that means what in the big picture? Your entire credit history will be reviewed when applying for credit.
2) I paid $722.00 per month on the car never ONCE being late for over 2 years, before I started to fall behind. The car never got repossessed, I sold it as I said.
sure. It allowed the bad credit to remain bad credit all this time. It's like a festering sore. Bankruptcy is the medicine used to make it heal. You failed to apply the medicine that would have helped. It's
3) Does my previous failed filing for Chapter 7 affect me in any way? It was completely the lawyer's fault and she refunded me 100%.
why do you believe you can file bankruptcy before returning. You are not a resident of any state or even the US.
4) I think it's safe to say that my credit is BEYOND "bad". I left the country with so many open doors. Maybe it would perhaps be best if I filed FIRST? The only thing is that
I think something you have ignored is the possibility of criminal charges for bad checks. You really might want to investigate your criminal history before even bothering to consider coming back to the US.
I am not an attorney and any advice is not to be construed as legal advice. You might even want to ignore my advice. Actually, there are plenty of real attorneys that you might want to ignore as well.