You need to sit down with a bankruptcy attorney and review your details. I think you could do a chapter 7 based on your numbers. You should be able to finance a vehicle, regardless of your credit, you will just pay a higher interest rate. You are on the right track - if your numbers say you can afford $500 per month in a chapter 13, you might be better off buying a car with that payment, so you qualify for a 7, which is over in about 4 months.
I agree with Mr. Walton that you need to speak with a bankruptcy attorney about your situation. There are far too many variables that go into making the decision whether to file bankruptcy or not that need to be spoken about that cannot be taken into consideration here, that offering cogent advice about your situation is impossible, other than to go speak with someone local to you who can address your concerns in light of your situation. I do agree that anyone can buy a car regardless of credit if one is willing to pay a high enough interest rate.
I would not recommend a debt consolidation scheme outside of bankruptcy as they are expensive for what you get, notwithstanding the reforms imposed a couple years ago that did make them somewhat better, and a lot of folks who work with those agencies end up getting sued by their creditors despite making the payments the debt consolidators ask them to pay.
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Debt consolidation is not a solution to debt, it merely trades one debt for another. Debt consolidation is like putting one extra bilge pump on the Titanic, it may buy you some extra time, but the ship still sinks.
When considering how to deal with debt, it is important that you consider all of your bankruptcy and non-bankruptcy options. Debt consolidation can work in some situations, but it isn't always successful. On the flip side, there are reasons why Chapter 7 or Chapter 13 are not good options. You should contact a bankruptcy attorney who can discuss all of your options with you.
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