“On-time payments are key. For instance, to be eligible for an FHA loan while still in Chapter 13, you need to show at least 12 months of timely payments in your repayment plan.”
To protect your bankruptcy recovery while securing necessary transportation:
Obtain pre-approval from multiple lenders before approaching your bankruptcy trustee
Limit vehicle purchases to reliable, fuel-efficient models under $15,000
Aim for down payments of at least 20 percent to reduce interest costs
Choose loan terms under 60 months to avoid negative equity situations
Verify lenders report to Equifax, Experian, and TransUnion for credit rebuilding benefits
Understanding these financing considerations helps bankruptcy filers maintain employment transportation while safeguarding long-term financial stability and creditworthiness.
“The firm provides an accessible entry point, allowing clients to get started for as low as $500, with the first payment being non-refundable. However, Hishaw Law stands behind its services—if student loans are partially forgiven, clients receive a partial refund, and if no debt is forgiven, the remaining fees are refunded in full. The process typically takes about 6 to 9 months, depending on the complexity of the case.”
“Arkansas had the highest filings due to the failing commodities market, particularly the rice sector. Arkansas is a unique state because a large portion of the state revenue is derived from agriculture,” Hishaw told us
“A power of attorney grants legal authority to a trusted individual—your agent or attorney-in-fact—to manage specified affairs when you cannot. This estate planning document prevents court intervention during incapacity, protecting your assets and ensuring your wishes are honored.”
“Wyoming statute specifically protects "house trailer or other movable home on a lot or lots, whether or not the house trailer or other movable home is equipped with wheels or resting upon immovable support." This language explicitly covers RVs, mobile homes, and manufactured housing used as primary residences, making them eligible for Wyoming's generous $100,000 homestead exemption for individuals ($200,000 for married couples filing jointly).”
“I didn’t know a thing about bankruptcy, I needed to get back on my feet and unfortunately I couldn’t do it by myself. This is where Hishaw Law comes in, she was a Godsend. She walked me through every detail of what I needed to have and what I needed to do to get my bankruptcy started. Any time I had a question, concern, freak out, she was there to help me through it. I never had any doubt that she was doing her job and doing it very well. I would highly recommend Attorney Hishaw for your attorney needs.”
-Kendra, Bankruptcy Client 2018
