I am considering enrolling in a DMP with InCharge....or possibly just contacting my creditors directly to enter into a hardship program, but that is a whole other discussion. Anyways, my question is, are you able to get financing for a home or automobile while in a DMP or hardship program? Our car lease is up in a few months and we will need to get a loan to get another car. I would like to know how hard it will be to do that. When I talked to InCharge, they told me that while in their program, you creditors ask that you not open any new account. Do they just mean only new credit card/revolving credit accounts?