My question involves bankruptcy in the state of: TEXAS
I just took advantage of a pre-approval for a car loan through my finance company.
Prior to getting the new car I had contacted them about my plans to include them in the Chapter 7. They said I can 'pay and retain" and as long as I keep making my payments I can keep the car. The previous vehicle was high mileage and a lease so I decided to get a fresh start so to speak with a newer vehicle and not have to worry about repairs and new tires for a while.
I was planning to file pro-se on Nov 15th. Since I just got the loan on Oct 30th, do I need to wait before filing. If so, how long?
Also the terms I got was "No payments for 90 days". Any idea if these terms would be affected if I filed before those 90 days?
Thanks for your responses.

