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My partner and I declared bankruptcy. We recently became bankrupt. We would now like to change our vehicle and obtain financing through a "second chance" program. Do you have a company you could recommend? I'm afraid of being scammed; there are so many companies offering this service.

I don't have a company to recommend, but if I have one piece of advice, it's to be very careful and fully understand the true cost of the loan you're considering.

You could get a standard loan with a creditworthy guarantor, which would be much better. Of course, finding a guarantor isn't easy.

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