Usually you don't have an issue getting credit because once you have filed bankruptcy you can't file again for ?7 years? So they feel secure that they are going to get their money. You will have to deal with a higher interest rate.
We filed in 2003. We got credit card offers, car loan offers, you name it. A few years later we did buy a new vehicle (we had kept ours in the bankruptcy one was paid for and one was financed and only had a few more years). We had a high interest rate on the new used vehicle, I think it was 18%. For other reasons we had to trade that vehicle a year and a half later, our interest rate was then 12%. A year ago we traded up in vehicles again and our interest rate was 6.75% on a USED vehicle! Two years ago we bought another house ( a few months into the collapse of the real estate market although not felt in our town) our interest rate was 5.8%!!!!!! So see it can be done you just have to work hard!
at 10:23 AM on Feb. 21, 2010