re: Bad credit auto loan, big down payment

I'm not going to tell a man he can't do something nice for himself, and a vehicle is certainly the "wrong" place to do it(but hey, you live once and I understand that), but what worries me is that on the OT, you showed a complete lack of patience to wait for your bankruptcy to fall off your credit report this summer.

I know you said you have no vehicle now, but not showing the "maturity" to buy used now and avoid this whole bad credit car buying hassle and get this nice truck a year(s) or so from now just rubs me the wrong way.

I just wouldn't want to deal with the hoops unless I had to wait 3 years on that bankruptcy or something analogous.