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Why wait days or even weeks to get a credit decisions.
Do they have a security interest. There's no way for me to know. Ask your own bankruptcy attorney about that. If the do repo the car, would you owe any outstanding balance on the loan. Maybe not, but again Hsfcu personal loan rates can't give you legal advice about this; you'll need to ask your own attorney.
Considering filing chapter 7 bankruptcy. During the time I purchased my car in January 2014 I was working I was laid off August 2014.