How we make money

What actually happens to your information

This is the part most sites in our industry do not spell out, so we will.

If you submit a request, we share the details you gave us — your contact information, your bankruptcy chapter and status, and the basics of what you are looking for — with dealers and lenders who work with filers in your situation. They then contact you. We are paid for that introduction whether or not you end up buying anything.

So you should expect to be contacted, and usually by a dealership or a finance company rather than by us. Consenting to that contact is not a condition of submitting a request, and you can withdraw consent at any time. If you would rather not be contacted at all, do not submit the form — reading the site does not put you on any list.

We do not publish the names of the finance companies we route to. Naming a lender in consumer advertising requires that lender’s written approval, and describing what a named third party will or will not approve is a claim we are not in a position to substantiate. Pages here describe kinds of underwriting instead.

What we are not

• We are not a lender. We do not approve, decline, price, or fund loans, and we cannot tell you what you will be approved for.
• We are not a dealer. We do not sell vehicles or set their prices.
• We are not a law firm. This is general information, not legal advice. Decisions about incurring debt during an open bankruptcy case belong with your bankruptcy attorney and, in Chapter 13, with the trustee and the court.
• We are not a credit repair service. Nobody can remove accurate information from your credit report, including us.

What this means for the content

We have an obvious interest in you buying a car. Pretending otherwise would be the least trustworthy thing on this page, so instead here are the specific rules that limit it.

Dealers pay for introductions, not for coverage. No dealer, lender, or partner can pay to be recommended, to appear in an article, or to have something removed from one.

Distress content carries no calls to action. Pages about repossession, deficiency balances, trustee procedure, and district rules have nothing to click. Those are the moments where our incentive and your interest are furthest apart, so we take our incentive off the table entirely.

We say when not to buy. Several pages here tell readers to wait, keep the car they have, or talk to their attorney before signing anything. The clearest example is that a car financed during an open Chapter 7 is a post-petition debt the discharge will not reach — which is a reason to wait, and it costs us the lead. It stays because it is correct.

Questions

If anything about this is unclear, or you want to know whether a specific page involved a paid relationship, ask us at editorial@bankruptcyautoloan.net. Our sourcing and review standards are on our editorial policy page.