Real Happiness.

Walking into something isn’t that easy as we think it to be, there are judgments everywhere and we keep on hiding from them. Are we actually happy with what we are now? Or we are just living a life…

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Can you get an automobile loan if you file chap 7 bankcruptcy?

lets say you have a car loan from Toyota Finance. Then you file chap 7 bankruptcy and return the car. after 10 years, chap 7 dissapears from your credit. but will Toyota let you finance another car with them or are you forever on their naughty list.

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“”18 years old with a 642 Credit score, 3 Credit cards, and Auto loan for 14,764?””
I have three credit Cards two with 300.00 limits and one with a 500.00 Limit. And a car loan on a 2006 Malibu LT through PSECU with an interest rate of 4.71 % Also, my credit age is 4 months according to Credit Karma which is acurate with what is reported never missed a payment on credit cards or car. Never plan to either. Even have a fund worth of 3 months of my car payments and credit card payments ( Min required ) In addition I pay 150.00 extra towards the principal on my car payments are 279 and I try to pay the balances completly off on my credit cards in full every month which general I succed about 80 % of the time. Never exceds 35 % before I pay the balances so well below the 25% limit or less you should strive for. Any tips or advice? I plan on taking student loans out next year. for around 2000–4000 the rest is covered through grants. Then I would LIKE to purchase a home. And attend college AGAIN for a higher degree in same study which would be around 2000 to 4000 due to grants as well. Any helpful tips hints would be appreciated. Trying to build a strong credit history, score, as well as a HIGH LIMIT. Any information, ideas, or whatever would be greatly appreciate. Thanks!””
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How do i suspend a lost or stolen credit card online?
I have lost my debit/credit and I don’t know if it has been stolen. I just want to cut off the card.
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How do I qualify for a home loan with a co-signer?
I am self employed and make more than enough money to own my own home. The problem is I haven’t been in business that long and the banks are cracking down. I need to get approved for a home loan twice as much as my bank says I will get approved for. My Mom is willing to co-sign or co-borrow or even take it out herself if I can’t. How would I go about doing that, and then transferring it into my name? Are banks allowing co-signers for home loans right now? (my Mom would get approved for anything)…Wells Fargo said no…””
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What is a cash-advance?
I am researching credit card information and they keep referring to a ‘cash advance’. When I look it up it says: A loan taken out against a line of credit or credit card, typically imposing higher-than-normal interest charges… but I have no idea what a loan taken out ‘against a line of credit’ means. Can anyone simplify this for me and explain it?””
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I have a contract with a bank for an auto loan. I have over 2 years left to pay. They’ve sent me the Title
Do i have to continue to make payments?
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What does it mean to mortgage a property in monopoly?
Thanks
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Looking to borrow some money?
My friend is looking to borrow between 3k and 5k. He works as a postman and said that the loan was for a car, when its for a 3-month trip to America. Hes already unsuccessfully tried AA, Sainsburys, Tesco & Lloyds. Can you recommend any places to try? would he maybe be able to get pay it off on a credit card? Or has anyone got any other sugestions?””
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Can I file chapter 13 bankruptcy with no assets?
I have a home in which I have an offer to sell as a short sale. I am still way over my head with CC debt. Can I file for the Bankruptcy which eleminates all debt if I don’t have any assets (a house)?
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Where to apply for credit card if you have bad credit?
I have bad credit up to 500 and my bank won’t loan me money because of my credit score wich got worse when I was unemployed. Now I am working I have dependants i can’t put down on my tax because they don’t live in the US. I want to improve my credit score to get a loan.
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#repost

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How do I contact debt collectors (who have not contacted me) so that I can pay off my debt?
I recently applied for a credit card, and was declined. At this time I was told that I have a balance in collections, which was completely unknown to me. I have not been contacted by any debt collectors in any way. Who can I contact to deal with this?””
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Need to file bankruptcy?
I once had a business but was screwed over by my business partner and was left with a lot of debt. I been living paycheck to paycheck until i was wrongfully fired last week. I want to start another business again and go back to school but before i do that i need to get my life on track. I am 200k in debt and need to file bankruptcy. I have no money to pay my bills and trying to figure out how to pay rent while looking for a new job. How can i file bankruptcy or hire a lawyer to help with out having a job or money.
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“”My credit score had a negative change, but report looks the same, why?””
I can’t see the drop off date that was due to come off my report in April 2010 on freecreditreport.com, but my last visit to Experian gave me the drop-off date. Capital One sold the account to Zenith Acquisition Corp and it shows an open date for 2007 on credit report, the original Capital One date was 2003, can Zenith re-start the drop-off date and start anew on my report? I’m in the process of sending them a cease & desist letter, is it too late? I’m now getting call/letter from another company called Zenta Private Limited collections which states they’ve been hired by Zenith, but Zenta is not listed on my current report, and Zenith still is. Has it been sold again, I’m not sure??? Is this what’s called re-aging and could this be the reason for the negative change, would they re-age knowing that it is illegal, maybe they didn’t think I would check my report, what should I do now? My score declined 39 points but everything on the report looks the same as before? What piece of the puzzle am I missing?””
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My income tax preparer needs a copy of my 2015 1098 mortgage statement . how can I obtain one ?

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Mortgage Tree Lending?
I had applied for a Personal Loan with one of those Lending Tree”””” type brokers””
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Auto Loan Online? Military? Bank?
I’m looking for a car loan for about $10,000 so I can buy my new car before I sell my current one (which is paid off). I have a good credit score of 741 last I checked. I’m in the USMC reserves if that will help with interest rates. I don’t have very much monthly income however since I just quit my civillian security job.””
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Can a company demand money back from me if they file for bankruptcy?
they still owe me more but I got a letter saying that I was paid due to favoritism…90 days before they filed
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Does salary advance affect home loan processing?
Hello, I have taken salary advance in my company and it is reflecting in my payslip. will it affect the loan process for home loan. Any banking personal kindly advice and what can i do to process the loan successfully.””
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Where can a first time buyer get an auto loan?
I have no credit, no cosigner, and a steady job where I make $1000 a month. Also, I have no other expenses. I need a car!””
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Any recommendations re a Mechanic’s Stethoscope. Found prices $5 (at Harbor Freight) to $80?
Basic to Electronic never used one. Going to verify which ball bearings are giving me the chirp (idler, water pump, alternator, etc) before I start replacing something. Probably won’t need one again, so I’m going to give it away to the next mechanic that does work for me. just like advice as to whether it’s worth it to pay $5, $25, . . . $80 for it.””
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Are there any payday loans you can get if you only have a netspend account with direct deposit?
I live in Wisconsin-the account is considered checking and has a routing number, but most lenders wont accept it-they say it is ‘blacklisted’. What does this mean?””
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Is this motorcycle craigslist-add an online scam?
Im looking at buying a motorcycle from craigs list and the seller wants to go through the ebay buyer protection plan and ship through dependable auto shippers. I dont know how buyer protection works and i have never purchased a vehicle so i dont know how the system works. below are the emails she sent me in response to inquiring about the bike. Could someone tell me if this is a potential scam and if I will be protected through the buyer protection plan? Seller talking about the bike: Hi
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I heard the free credit report.com thing is bogus?
you see the commercials all the time. i heard it isnt free. anybody try it?
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Has anyone ever filed bankruptcy? what happened?
If i do will i be able to buy a house or car afterward? will it be difficult to rent an apartment?
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#repost

“Can you get an automobile loan if you file chap 7 bankcruptcy?

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Have statistics on cold calling/telemarketing success rates?
That article d2bcathie cites is weird. The author says (and Cathie repeats) that one sale in 100–150 calls works out to 5%-10% success. In fact, it works out to 0.66%-1% success. It also doesn’t apply to me because it pertains to B2B (calling businesses) whereas I am doing B2C (calling consumers). But at least she tried to answer the question, and I do appreciate that!””
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What can I expect my credit score to fall to after I file for Chapter 7 Bankruptcy?
I am preparing to file a Chapter 7 Bankruptcy to discharge my medical bills of $57,000. I have no other debt, other than my car payment. What can I expect my credit score to fall to? Right now I have about a 700.””
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Is there anywebsites that will transfer a payday loan the same day?
needing a loan stuck home no car any websites that can tranfers money into your account the same day (like today) so i can get the silly part so my car can work again?
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I need advice on buying my first car?
I’m going to be buying my first car soon. Being that I’m young, it’s going to be a used car. Now I know I need to look for the CarFax report, have someone check everything for me beyond an on-site mechanic and blah, blah, blah. What my question is… how much money do I need to put down on a vehicle to drive off the lot with it? The one I’m looking at is a used ’05 Scion tC. Listed on their website at 8450, but listed on craigslist with 1k off. My credit is still being worked on (I don’t think I have enough of a history to be determined as having either bad or good credit as of now)… and I don’t even own a credit card (though I do have a bank account). Anyone who could help me out, even give me some advice I hadn’t asked about would help SO much! thanks!””
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What does it mean when a credit report dispute results in No Status?
I disputed a charge on my credit report. I got the updated results back today and the results say No Status and all of the balance information just says N/A. Basically like this: Status: NO STATUS. Credit Limit/Original Amount: NA High Balance: NA Recent Balance: NA Recent Payment: NA What does this mean exactly? Any ideas?
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“”If I file for bankruptcy and then get married next year, how will it affect my husband’s credit?””
I thought my boyfriend would understand my reasons for wanting to file for bankruptcy ($24,000) even though I have another $5000 on my car and $20,000 financial aid. I don’t want him to have these debts but he looked at it as it would hurt his credit. I thought I’d be doing him a favor by wiping out some of MY debts before becoming joint. First question is, would you rather marry someone and assume these debts or marry someone and assume their bad credit. Second question is, how much will it affect his credit?””
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How can you built ur credit fast?

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Does the billing address have to match the credit card address?
I ordered something online with a credit card from Apple and entered my NEW address (the city recently informed us we would experience a change of address, adding 10 to the current house number, in a short time””””) in the billing info instead of the old address which was on my credit card. Does the billing address have to match the address on the credit card? Will my order be rejected? Or am I safe? I know I entered the card number etc. right and I am the only one in the whole city with both my old and new address.””””””
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#repost

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In what court would a person be appearing if they entered into bankruptcy in NSW?
Which court on the australasian legal information Institute’s web site would you find the matters on bankruptcy listed for NSW
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#repost

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Are there sharks in the indian river(FL)?

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How does someone become a Loan Shark?
I have become a Loan Shark and have managed to make some money here and there, but now I want it to be a full time thing. I’ve read a lot of Mafia books and they talk about Loan Shark Books and checking their books”””” and I realize I don’t know much about loan sharking. Can someone tell me what it really is to be a loan shark””
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Can i include a payday loan and a second lien on my car in bankruptcy?
I originally took out a couple payday loans and a couple car registration loans (2nd liens) because we were getting evicted and we needed to find somewhere to live quickly. I had hoped to pay these back but lost my job and now owe thousands of dollars. If i file for bankruptcy in arizona, can i include these loans? will i lose my car if i do so? p.s. I still have the original lien on my car as well.””
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What personal loan company uses experian to check credit?
Heres the problem.Most loan companys go through Trans Union. For some reason with in a year everything on my Trans Union has been wiped away and Trans Union told me there was nothing they could do. I just had My experian and shows info. I have gone through two loan companies now that wont approve me b/c of this.
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Bankruptcy and credit cards?
I have decided to file for bankruptcy due to credit card bills. I have defaulted on most of them, but i have been current on one. Will the account be closed once i file for bankruptcy? What other options will i have in order to have a credit card? Are the secure credit cards work the same way( i do understand that i will have to make my deposits)? I just need to know my options once i file for bankruptcy.””
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When is a good time to file bankruptcy?
I was looking at consolidating my credit card debt into a newer home loan with New Day Loans. The fees were over $10,000 and would leave me in negative equity on my home for years to come. I don’t want to live here another year. I am also planning to file for a divorce as well. I am not behind on any payments for anything, but I make many payments late, but rarely 30 days late. The new credit card bill rules increased my payments so much its killing me. When is a good time to file bankruptcy? Shoud I file on everything? Should I file on just the credit cards? Should I file before or after filing for divorce? Or shoud I wait until after I get divorced? Thanks””
Need information on Low Pay Credit Cards?
I would like to hear from anyone that has ever used a low pay credit card. I got one in the mail that I never requested. I am trying to re-establish credit after a bankruptcy. I already have one credit card with a low credit limit. This Low Pay Credit Card sounds too good to be true. Any info would be helpful.
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Bankruptcy and the VA?
I have a VA home loan and i owe about 228,00 on it the original loan amount was 230,000. I would like to walk away because I am getting that sinking feeling with the economy, job etc. I know I would be obligated because anti deficiency laws in Arizona do not protect me against the VA. So down the road could I file bankruptcy against the VA?””
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#repost

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What’s the best way to get rid of my debt?
I am in a bad situation right now. I have a lot of debt and it’s not even my fault. I know I’m responsible for it legally. I loaned my friend some money using a credit card advance so he would not get evicted and to take care of his car note. Now I was not expecting a lump sum anytime soon. I got a notorized promissory note with details about the payments each period and I’m in the process of taking him to court since he feels like he can just give pay be back at his accord. However, I just started a new job and I don’t want to be taking any days off so soon especially in this recession. He is always talking and his problems but he never has any documents or receipts to back up his stories so I know his lying. Anyway I’m trying to minimize my debts. Would it be a good idea to get a small loan from the bank to handle my credit card debt. I know banks are not giving out personal loans now. I was thinking sometime early next year in 2010. I would have been content with making payments to the credit card companies but one of my credit cards has an APR of 19.8% and the rest are 12% or lower. So I think it’s better to get a small loan if I get approved so I can save some money from that high 19.8% interest.””
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What is a good way to raise your credit score?
thanks mike, Gottaknow, thats helpful. I only have one visa card, but I have a dell account which I plan to pay off in the next 3 months and then close. I have been told that will help it. I have 1 car loan out which I pay over the amount due and before its due date.””
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What is an experian credit report/score?
I currently use credit karma. Is freecreditreport.com better? On credit karma i have a transunion score.
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Filing Chapter 13 Bankruptcy and foreclosure?
Hello, I have a second property home that is a condo. It was my primary but I got married and bought a house with my wife and then rented condo out. Since 2005, we now have 4 children, lost my rental income (no tenant), can not sell it and are underwater on it. I stopped paying the mortgate in June 2009 and have been trying to short sell it. My wife is not on the condo mortgage just me. Anyways, if I can’t sell it, it looks like it will be foreclosed on. If they come after me for the deficiency, I will have to file bankruptcy. I think they also look at my spouse’s income even though she is not on the condo mortgage? If so, I think we both make too much money combined to qualify for chapter 7 for me. So, it would then be chapter 13. but will they try to make me pay all of the deficiency or just part of it? because I can’t pay all of it. Help….””
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Accounting Help! Best answer gets 10 points!?
During the first month, the following events occurred: May 1: Jane Kent invested $25,000 cash May 2: Hired a secretary-receptionist at a salary of $2,000 per month May 3: Purchased $2,500 of supplies on account from Read Supply Company May 7: Paid office rent of $900 cash for the month May 11: Completed a tax assignment and billed client $2,100 for services provided May 12: Received $3,500 advance on a management consulting engagement May 17: Received cash of $1,200 for services completed for H.Arnold Co. May 31: Paid secretary-receptionist $2,000 salaried for the month May 31: Paid 40% of balance due Read Supply Company Jane Kent uses the following chart of accounts: no. 101 cash, no 112 accounts receivable, no 126 supplies, no 201 accounts payable, no 205 unearned revenue, no 301 Jane Kent, capital; no 400 service revenue, no 726 salaries expense, and no 729 rent expense (a) journalize the transactions (b) post to the ledger accounts © prepare a trial balance on May 31, 2010"”
“Can you get an automobile loan if you file chap 7 bankcruptcy?

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How can I get my credit score?
i would like to rent a car from thirfty rent a car and they want your credit score of 600.
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“”Apply auto loan online,any site recommend?””
hello, i need a auto loan to get used a car at dealer i have fair credit history,anybody knows any good lender? god bless you !!!””
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Does anyone know of a debt consoildation program for payday loans?

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Free credit score/report?
Thanks for your help everyone…but I wanted my credit score too.
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“”If one files for Bankruptcy 13 in Florida, what happens to the condo fees owed on the homestead property?

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IS THERE A WAY TO CLEAN UP YOUR CREDIT ON YOUR CREDIT REPORT AFTER BANKRUPTCY CHAPTER 7?

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#repost

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“”What is the best way to pay off $150,000 credit card debt?””
Guys, please I need advice! I took a hard decision to get bunch of credit cards some for business and education. The business did not go well, I closed it down but did not file bankruptcy. I have about $150,000 credit card debts and almost all of them have been collection for about 2yrs now. I just got out of school and I have an OK job that can help me pay off my debts. Please, what is the best way to pay off the debts? should I get a lawyer or I should just contact those collection companies and work with them myself? Any advice will greatly be appreciated. Thanks in advance””
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What is a legitmate online payday loan website?

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#repost

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Is annualcreditreport.com the only site that won’t try to charge for an annual credit report?
I’m trying to get my annual Equifax report for free and I can’t believe annualcreditreport.com is the only site where I can do that. All the others seem intent on charging money, even after advertising in search results that they’re free. But when I go there (even to the Equifax site itself), they try to get me to pay for credit scores or for all three reports. Liars!! Is there really only one site where I can get this report for free annually?””
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“”Can anybody help me with any money? i owe my bankruptcy lawyer and i owe rent, 2 payments behind?

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Need some insight on my mortgage loan situation?
Okay everyone. I filed for bankruptcy in 2005, and it has been discharged now for a little over 2 years. I did the formal application on a mortgage loan (never owned a home), after being prequaled. I did the application on Monday, and my credit score being a 610 and a previous bankruptcy I have been sitting on pins and needles all week. The home I am buying is for 93k, and the tax assesor value is 110k. (I live in oklahoma), I am buying it so cheap because I know the owner and she and her husband are going thru a divorce and the agreed to get out of it fast and to sell it that cheap. Anyways, the seller just called me and said a appraiser is coming tommarow (Sunday), and I have not heard yes or no yet on the loan and it has been 5 days, is it that they are sending a appraiser a good sign that it may be a yes, and if it appraises for 100k plus is that even a better chance of getting the loan. I wouldnt think they would appraise it if they were going to say no, what do you all think””
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How can i View my credit file without having to use a credit card?

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Explain net present value and internal rate of return methods in business finance?
how would you explain the different rankings given by the net present value and internal rate of return methods? when referring to a companies cash flows and finances.
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Does anyone know how to get in contact with a loan shark in london??
needing finance quickly
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Need a loan shark in surrey?
Hi I’m recently separated and my Husband managed to get me in a lot of debt and my credit rating is poor. In desperate need of 5000 to pay off the remaining debt. Have no problem with the interest rates or with repayment, can anyone help?””
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Bad Credit: How do you handle bad credit that isn’t your own doing?

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#repost

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#repost

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If i co sign on an auto loan will it effect my credit should i apply for an auto loan on my opwn?

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I Need to find a loan shark?
Personal.
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Can I get a free credit report from freecreditreport.com and annualcreditreport.com in the same year?
I know I can do either or, but freecreditreport.com lets you see your credit score while annualcredtreport.com gives you a report from all three credit agencies and no credit score. So I was wondering if I could get a free report from annualcredtreport.com and then still go to freecreditreport.com and get a free report with my credit score?””
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Credit Card cash advance how does it work?
I want to buy a four wheeler but the banks are closed. I have the money but I don’t have the cash for the deal. I was wondering if I withdrawal money from my credit card is there interest or is that only if i don’t pay for it by the end of the month?
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Where can I find a unsecured personal loan that is not a payday loan?

“Can you get an automobile loan if you file chap 7 bankcruptcy?

Real Happiness.

Can you get an automobile loan if you file chap 7 bankcruptcy?

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