In December 2011, Local Rule 3015-2 went into effect. It allows us to get our customers with a Chapter 13 into a vehicle sooner, rather than later.

What we have found is that now we can go through the Trustee’s office to get permission to buy a vehicle outside of the Chapter 13 plan, rather than having to go before the judge and obtain a Motion to Incur Debt.

Going through the judge took a month or more. Going through the trustee sometimes takes less than a week. It is a big difference.

It is easier to get a Chapter 13 auto loan if your plan is confirmed, but we have ways to help you even if your plan is not confirmed yet.

Give us a call at 888-300-3502 if you have any questions, or want help lining up your Chapter 13 auto loan.