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A reaffirmation agreement takes the car loan outside the bankruptcy discharge. Bankruptcy filers are usually able to finance a vehicle immediately after bankruptcy.Unfortunately, filing bankruptcy indicates that your score is on the low side and it will probably drop again once you file. If you pledged something as security for loan, the asset that provides collateral for the loan is exempt from bankruptcy. It survives bankruptcy. A suggestion of bankruptcy is a document filed in a Nebraska county or district court collection lawsuit. You maintain repayments on your vehicle (if it is under finance). See below for frequently asked questions about vehicles in bankruptcy.