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Can I buy a car, or furniture, or something else on time while my case is still active?

 

You have to get the court’s permission before taking on a new debt. In most Chapter 7 cases you would simply wait until the case is closed.

Chapter 13 is more complicated. If you have been in the case for more than one year, and if you are scheduled to pay at least 70% to unsecured creditors, and if you have made all of your Plan payments on time so far, then all you have to do is call the Trustee’s office and tell them what you want to do. They will usually give you a letter authorizing the purchase within a few days.

If you do not meet all of those tests, then you will have to file a written motion explaining exactly what you want to do, why you want to do it, and how it is going to be handled. There will be a court hearing, and in the end the request may or may not be granted.