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We are filing a Chapter 7 bankruptcy, and it is due to be discharged by May. How long after that can we finance a car for a decent rate?

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Pretty much exactly what the main question says. I have no idea what a “finance charge” is. For instance, would I be charged a finance charge if I charged a purchase, and then paid the balance immediately?

Any additional information that could be given would be great, as I’m considering getting my first credit card, and want to know everything I can so that I don’t get myself into trouble.

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What happens if a finance company never repossesses a vehicle that has been discharged in bankruptcy? No payments have been made in 14 months…Bankruptcy discharged in June of this year. Finance company has our current address and phone number.

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