I'm considering filing chapter 7 to escape a 14,000 credit card debt. I have no assets except a car that's worth only about 2,000. I will probably need a new car in another year or so and am wondering, if I file for chapter 7 today and afterwards avoided any further credit blunders, how long would it be before i could be approved for a new auto loan on only my own signature? What if my parents, who have excellent credit, were willing to co-sign? And if they did, would it affect their credit if I had no credit problems after the bk?