A Chapter 13 bankruptcy stays on your credit report for 7 years from the filing date (it’s 10 years for a Chapter 7). If you’ve been paying in the program for 3 years, the bankruptcy notations in your credit report will only stay on for an additional 4 years after you are discharged.
https://www.creditrepair.com/blog/credit/how-to-rebuild-your-credit-real-questions-gathered-through-social-media-part-3/
1 You must wait 2 years after Chapter 7 bankruptcy discharge for a to qualify for FHA, and 4 years after a Chapter 7 discharge to qualify for a conventional loan.  Buying a Car. You can buy a car while still in Chapter 13, but you need to get the trustee’s approval. After discharge, your approval will really depend on your credit score. I recommend going through a credit union, as they have the best terms and rates for those with not-so-perfect credit.
https://www.creditrepair.com/blog/credit/how-to-rebuild-your-credit-real-questions-gathered-through-social-media-part-3/
For instance, if you transfer property and then, soon after, file for bankruptcy, a bankruptcy trustee can set aside or void these transfers. The amount of time that passed after transferring property is important! The trustee can set aside or void the following transfers if you file too soon:
http://bankruptcy.lawyers.com/bankruptcy-basics/time-matters-when-filing-chapter-7-bankruptcy.html
Besides, it’s always a good idea to review your reports after bankruptcy because mistakes are not uncommon. You can get your free annual credit reports from AnnualCreditReport.com and you can get a free credit report summary from Credit.com that explains how lenders are likely to view your information.
http://blog.credit.com/2015/03/how-to-get-a-car-loan-after-bankruptcy-112471/
Other Reasons to Delay Filing. Other than timing transfers correctly, there are other reasons to delay filing for bankruptcy, such as: When you expect more debts, such as medical bills or other necessities, you should wait until after you have incurred the debt so it can be included in the discharge order.
http://bankruptcy.lawyers.com/bankruptcy-basics/time-matters-when-filing-chapter-7-bankruptcy.html
Monitor your credit scores after your bankruptcy. Hopefully you will find that once you’ve paid your loan on time for six to 12 months and have been building better credit, your scores have improved. If so, you may be in a position to refinance your car loan at a lower interest rate.
http://blog.credit.com/2015/03/how-to-get-a-car-loan-after-bankruptcy-112471/
“You shouldn’t assume that no one will talk with you and that you have to take whatever someone will give you,” he says. Here’s how to get a car loan after bankruptcy, step-by-step. (By the way, this advice also applies to someone in the process of a Chapter 13 bankruptcy which usually takes five years to complete.
http://blog.credit.com/2015/03/how-to-get-a-car-loan-after-bankruptcy-112471/
If you did not reaffirm a loan on a car you held onto in bankruptcy, then the account probably won’t be on your credit reports, even if you have continued to make payments. “In that case, I have the borrower go the dealer/lender prepared with proof of post-bankruptcy payments to create the history,” Melchionne says.
http://blog.credit.com/2015/03/how-to-get-a-car-loan-after-bankruptcy-112471/
Sometimes, it's better to file for bankruptcy immediately. Keep in mind that you must receive the required credit counseling within 180 days before your bankruptcy case is filed. You plan on acquiring nonexempt property - like a vacation home or valuable collectibles - some time after the filing date.
http://bankruptcy.lawyers.com/bankruptcy-basics/time-matters-when-filing-chapter-7-bankruptcy.html
A. The waiting times are not as long for a Chapter 13 as a Chapter 7 Bankruptcy: Buying a Home. With an FHA loan, you can buy a home while still under a Chapter 13, as long as you have made all the payments on time in the plan for 1 year and the bankruptcy trustees approve the purchase.
https://www.creditrepair.com/blog/credit/how-to-rebuild-your-credit-real-questions-gathered-through-social-media-part-3/
how long should i wait after bankruptcy to buy a car
You should wait between six and twelve months after bankruptcy to buy a car. You should wait for Six to 12 months after bankruptcy to buy a car. 