Can You Buy a Car During a Florida Chapter 13 Bankruptcy? A Comprehensive Guide

If you’re in the midst of a Florida Chapter 13 bankruptcy and need to purchase a new car, you might be wondering if it’s even possible. Dealing with bankruptcy can be challenging, but sometimes a reliable vehicle is necessary for your daily life or employment. In this article, we’ll delve into the process of buying a car during a Florida Chapter 13 bankruptcy and discuss the legal requirements, trustee approval, and the impact on your financial stability.

Buying a Car During a Chapter 13 Bankruptcy:

It’s important to understand that buying a car during a Florida Chapter 13 bankruptcy is not as straightforward as it may seem. While it is certainly possible, there are specific legal requirements and restrictions you must meet. For starters, you’ll need to obtain permission from the bankruptcy trustee and, in some cases, the court. This is because the purchase could impact your repayment plan and overall financial stability.

Trustee Approval:

To gain approval for a car purchase, you’ll need to provide the trustee with a compelling reason as to why the purchase is necessary. Acceptable reasons may include:

  1. Your current vehicle is no longer safe or reliable.
  2. The absence of a vehicle is negatively impacting your employment or ability to generate income.
  3. The cost of repairing your current vehicle outweighs the benefits.

If the trustee agrees that purchasing a car is in your best interest, they will likely set strict limitations on the amount you can spend and the type of financing you can obtain.

Financial Stability:

Before granting approval, the trustee will also assess your financial stability. They will evaluate whether the car purchase will interfere with your ability to make Chapter 13 plan payments. In some cases, the trustee may require you to adjust your repayment plan to accommodate the additional expense or amend your schedules to show that you can afford your new car payments.

Tips for Buying a Car During a Florida Chapter 13 Bankruptcy:

If you’ve obtained trustee approval and are ready to proceed with the car purchase, consider these tips to ensure a smooth process:

  1. Look for affordable, reliable vehicles that meet your needs without breaking the bank.
  2. Disclose to the new dealership that you are in a chapter 13 bankruptcy and that you will need to seek approval before completing the purchase.


Most importantly, you should seek the advice of a competent bankruptcy attorney who can reduce the stress of the process by communicating with your chapter 13 trustee’s office.

Please feel free to reach out for a free consultation by emailing, calling (407) 734-5166 or using this link to schedule an appointment yourself.

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