- 1). Visit a car dealership in Massachusetts to pick the car that you wish to purchase. Ask the dealer to provide you a written offer to purchase the car. Ask the dealer to pre-screen your credit to determine the amount of financing and the interest rate available to you for the purchase.
- 2). Contact your Chapter 13 bankruptcy trustee to discuss the purchase of a car. Send him a copy of the written offer, along with the amount of financing and interest rate. Discuss your monthly budget with the trustee to determine whether you can afford the payment.
- 3). Ask the trustee to file a motion with the bankruptcy court requesting approval to purchase the vehicle. The trustee is more likely to file the motion on your behalf if you do not have an attorney. If you have an attorney, request that your attorney file the motion.
- 4). Draft a motion on your own if you do not have an attorney, and the trustee still refuses to file the motion. Simply type up your request to purchase the car. Describe the car, the purchase price and the financing terms in your motion. Include a copy of the written offer and financing offer from the dealership. File the motion and documents with the clerk of the court.
- 5). Attend the hearing on the motion to purchase the car. Answer any questions the judge poses regarding the purchase. If the judge agrees that you can afford the payments on the car, he will grant your motion, permitting you to purchase the car.
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