My husband has terrible credit, how can he get a credit card?

My husband has terrible credit, how can he get a credit card?

My husband’s credit score is in the low 500s due to some really bad choices in his early 20s followed by several years of denial. Since we got married he’s been doing very well with paying down his debt and paying his bills on time, but his score is still poor. I want him to get a credit card to help rebuild his credit but I worry that he won’t be approved for any card. He’s never had one before. Anyone have any advice on if he could get approved for one, or which cards he would have the best chance of getting approved for? I have excellent credit but I don’t know if that makes any difference.

BEST ANSWER: Try this site where you can find the best solutions for your finance situations :Personal Finance


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Can anyone help me with a GMAC Auto Loan? I had a truck fianced thru this crap company, Unfortunately truck?

was stolen. My insurance paid a portion of the balance and my gap insurance paid the remaining balance. However since i had two deferred payments on my loan total $2207. Neither would pay this for me, it was my duty to pay for, which i understood. After calling GMAC to make sure they had received both checks from my insurance and GAP and was credited to my account and leaving me with the balance of $2207 the rep from GMAC told that since i had ZERO % intrest that i had alot of time to pay the balance till the end of my contract date 2011. So i figure ok thats great i can make small payments here and there. Well in between this time Ive been in and out of the hospital and having surgery and having iron infusions and not working. Bottom line i havent made any small payments because i thought i had plenty of time. Well i find out they forward my account to collections and now shows off as a charge off. I paid very good through the whole time was late 2 times but always caught it up. I have called and called explained the mix up and no one will work with me. Managers nor supervisors. although it is my responsibility to pay they did misinform me and i trusted them. How do i get this fix. I will pay the balance but want them to change the status on my credit. Does anyone know a compliant number or a higher management name?


Finding a mortgage lender after bankruptcy.?

I am a single mom that rents a VERY small house from my parents. I would like to purchase a house in the area that we are currently living in. I filed bankruptcy in October 2010 and am working on improving my credit score. The last time that I checked it was a little under 600. I am looking for a lender that would not require a lot down or maybe has some down payment assistance programs. Any ideas?

BEST ANSWER: Try this site where you can find the best solutions for your finance situations :Personal Finance

Do i need to do debt relief or debt consolidation and what best companies?

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3 mnths ago my fico score was 585?

I disputed items on my credit reports and my score is currently 637. Mainly because I haven’t had any open accounts for 3 yrs except a Aarons lease posted positive. I’ve been paying on a Titlemax loan for 3 yrs and will pay it off in two weeks.Titlemax rep says I can request a copy of payment history and mail to the credit bureaus. How much will this help my credit score? I have also recently a secured credit card that reports to all 3 credit bureaus. Any advice on more ways to increase my credit score would be greatly appreciated. Thanks! πŸ™‚


What happens after my credit card has expired?

someone please give me some info. based on not getting a new card from the company, after the card expires, will the online enrollment account close too?


My husband has terrible credit, how can he get a credit card?

My husband’s credit score is in the low 500s due to some really bad choices in his early 20s followed by several years of denial. Since we got married he’s been doing very well with paying down his debt and paying his bills on time, but his score is still poor. I want him to get a credit card to help rebuild his credit but I worry that he won’t be approved for any card. He’s never had one before. Anyone have any advice on if he could get approved for one, or which cards he would have the best chance of getting approved for? I have excellent credit but I don’t know if that makes any difference.

BEST ANSWER: Try this site where you can find the best solutions for your finance situations :Personal Finance


How do I get approved for an auto loan through Infiniti Financial Services?

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Can I include a private loan in bankruptcy?

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I’m looking ahead into the future a bit but in about a year i will be an E3 in the USAF. I will be bringing home about 1700 a month before taxes, so about 1300-1400 after taxes. I only have about 100 a month of bills and obviously live for free(housing and food). I was wondering, how much of a new car can i finance through a dealership. I have about 1000-1100 after i set aside some money into the bank. So that leaves me about 1000 a month that i could set aside to car, and insurance. I know my insurance will be pretty high, but i was wondering if anyone has any first hand experience as to how much of a car i’d get approved for. BTW: I have good credit, i dont have anything big on my credit report, but ive had credit cards, and cell phone, and furniture and insurance payments for about 3 years, and never had any problems with payments. So my credit is good with what i have, but i dont really have anything big so i would need a codigner if i were to try and get a car today. But from what ive read dealers usually approve anyone in the military, and especially if they have decent-good credit. THANKS!!!


When does hr block start their emerald advance line of credit this year?

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What are some ways I can improve my credit?


What ‘s the fastest/easiest way to get $100 by either June 30th or July 1st?

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My husband has terrible credit, how can he get a credit card?

My husband’s credit score is in the low 500s due to some really bad choices in his early 20s followed by several years of denial. Since we got married he’s been doing very well with paying down his debt and paying his bills on time, but his score is still poor. I want him to get a credit card to help rebuild his credit but I worry that he won’t be approved for any card. He’s never had one before. Anyone have any advice on if he could get approved for one, or which cards he would have the best chance of getting approved for? I have excellent credit but I don’t know if that makes any difference.

BEST ANSWER: Try this site where you can find the best solutions for your finance situations :Personal Finance


Are there any loan forgiveness programs for criminal justice students?

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Got a payday loan from Cash Advance America. now I got a threatning call. what can I do?

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Will my banks deny me for an auto loan?

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BEST ANSWER: Try this site where you can find the best solutions for your finance situations :Personal Finance


Payday loan wage garnish legal issue?

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Co-sign for auto loan?

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What personal possessions can be seized in the event of a bankruptcy?

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BEST ANSWER: Try this site where you can find the best solutions for your finance situations :Personal Finance

If you use a stolen credit card online and get stuff shipped to your house, will you get caught?

is there any way for them to track it back to your door? what and where are the best places and websites to but goods with a stolen credit card. im doing a reaserch paper on credit card fraud and any information would be great. thanks


My husband has terrible credit, how can he get a credit card?

My husband’s credit score is in the low 500s due to some really bad choices in his early 20s followed by several years of denial. Since we got married he’s been doing very well with paying down his debt and paying his bills on time, but his score is still poor. I want him to get a credit card to help rebuild his credit but I worry that he won’t be approved for any card. He’s never had one before. Anyone have any advice on if he could get approved for one, or which cards he would have the best chance of getting approved for? I have excellent credit but I don’t know if that makes any difference.


Is it possible to file bankruptcy on unsecured debts only?


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Hi, I am on social security because i am 64 years old. I make about 1100 per month. I have a car financed on my credit now, and I pay about 420 per month for. I would like to get a second car that costs 18,000. I do have 15,000 to put down on the car in Cash. and I want to finance the 3,000 thats left. I was wondering what my chances are to be able to get that 3,000 financed with the money I have a down payment. I dont make alot per month, but I figured that the monthly payment would be very small and I could afford it. I also have been reading alot online that having liquid assets will aide in me trying to get financed. I have about 65,000 in my bank account. and would obviously cover the loan of 3,000 if I chose to pay it off other than finance it. What are my chances of getting that remainding 3,000 financed?? thank you.

BEST ANSWER: Try this site where you can find the best solutions for your finance situations :Personal Finance


Why did my credit card company take my 5000 credit limit to 0?

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What are the guidelines to filing bankruptcy?

how much debt do you have to have in order to file bankruptcy? What damage does it do to your credit score and for how long? And is having an attorney necessary? We are trying to get financially stable again! Any advise or help is appreciated! Thank you in advance.

BEST ANSWER: Try this site where you can find the best solutions for your finance situations :Personal Finance


IS 10 percent a reasonable amount of interest on a car loan if your credit score is 565?

I really need to buy a car, the best interest rate I’ve been offered is 10% – everyone says that is too high with the condition of the economy. Is ten percent too high with a credit score of 565?


My husband has terrible credit, how can he get a credit card?

My husband’s credit score is in the low 500s due to some really bad choices in his early 20s followed by several years of denial. Since we got married he’s been doing very well with paying down his debt and paying his bills on time, but his score is still poor. I want him to get a credit card to help rebuild his credit but I worry that he won’t be approved for any card. He’s never had one before. Anyone have any advice on if he could get approved for one, or which cards he would have the best chance of getting approved for? I have excellent credit but I don’t know if that makes any difference.


I need a 1500.00 loan and the only bank account I have is a prepaid account through PayPower.?

My credit is poor and the payday loan places want a checking account. My debit card gives me a routing number and account number to use as a checking account, but there are too many numbers and all of my requests are declined. Any suggestions?


What credit cards are good for military families?

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I am filing for bankruptcy?

I am 24thousnd in debt From a few loans and small accounts my bank account is in check system for a fake check i think.. it was 2000 i dont think the bank pressed charges i am getting a lwayer to file for bankruptcy for my credit i am not a criminal havnt had a record in my life ex military police .. i am just worried though wen i go to court to settle my bankruptsy will the fake check situation appear? and wht is the most likely thing that will hapen to me? i have nol assets either some one please give ne some good news


How can i get a mortgage payment to be about 300 dollars monthly?

Hi. My landlord has been trying to sell the home we live in and has not had any luck, He said he was going to auction the house. We currently pay about 275 per month and are a young couple with a new baby and one income. Is there any way we could look into buying a home with low payments? If you know any good foreclosure lists please let me know. Any advice would be appreciated, Thank you for your time!


Can you obtain approval for a mortgage with a 588 credit score?

I do have a bankruptcy that was discharged a few months ago. Transunion lists my score as 588. Is it possible to get a 120k mortgage or am I out of luck for two years like the broker I talked to told me? I make 65k a year but right now I can only come up with 5% down. Anybody dealing with Southwest Florida that can help? I hate renting as it is just throwing money away. Any help is well thanked and appreciated!!!




















































Please help , owes $4,289 on a credit card with a 17.5% interest rate. What is the monthly payment he shou?

Please help , owes $4,289 on a credit card with a 17.5% interest rate. What is the monthly payment he shou?

Javier owes $4,289 on a credit card with a 17.5% interest rate. What is the monthly payment he should make to pay off this debt in 12 months, assuming he does not charge any more purchases with the card?

BEST ANSWER: Try this site where you can find the best solutions for your finance situations :Personal Finance


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Do you know what website let you update your credit report for free every day?

TruCcredit used let you update every day for free until December 17th, 2008, when they started implementing a policy where you can only update every 30 days for all 3 bureaus. Do you know any other website (Other than TrueCredit) out there that can truely let you update your credit report for free every day for all 3 bureaus and as soon as you register at that site, it lets you start updating your credit report daily and still have a 7 day free trial or they have no trial before you pay and also shows the most accurate FICO scores for all 3 bureaus that is close to what the lender shows when they pull up your credit report. I am currently using CreditCheck and every time I have to update my credit report, it makes me pay $39.95 per report and I just registered at that site for a 7-day free trial. It claims that it lets you update your credit score free every day without paying money. I need true ones here, not rip-off services, and don’t say annualcreditreport.com, because they only let you update once per year and for what I am doing, it needs to be checked every day.


Where can I get a personal loan for $500?

I have a credit score of 620, also how fast can I receive a loan? I don’t want one of those payday loan scams and I’m not sure how to know if an online loan is legitimate. Can someone tell me if it works or how to go about doing this?


Can you still rent an apartment after filing for bankruptcy if you are on SSI?

Can you still rent an apartment after filing for bankruptcy if you are on SSI?


Can you buy a house if you have student loans out?

The amount of my loans total = $4,600

BEST ANSWER: Try this site where you can find the best solutions for your finance situations :Personal Finance

How can filing bankruptcy help stop the levy on my salary and 401K?

urgently needs help, please


If I were to pay off my auto loan in one lump payment would it improve my credit?

I have about $6000 left to pay on my auto loan, if I pay that in one lump sum, will it improve my credit? If not, what if I pay 2 payments a month, early payments? Will that improve my credit score? or would just paying them all on time be the best at improving my credit score? I have horrible credit, and I need to fix it, but I can’t get a credit card or anything because my credit is so bad. So, if you could give me some advice, that would be great! Thanks in advance =]


Gemini’s best match?


Please help , owes $4,289 on a credit card with a 17.5% interest rate. What is the monthly payment he shou?

Javier owes $4,289 on a credit card with a 17.5% interest rate. What is the monthly payment he should make to pay off this debt in 12 months, assuming he does not charge any more purchases with the card?

BEST ANSWER: Try this site where you can find the best solutions for your finance situations :Personal Finance


How can I get a 12,000 loan with little or semi-poor credit?


Where can i get a free credit score?


Can you get a loan against a trust fund?

I have a trust fund that will be released to me August 2010. After that it will continue to distribute payments every 5 years. I have some debts that I need to take care of and I was wondering if it is possible to get a loan against my trust fund? Any help is greatly appreciated!


Can you get a loan against a trust fund?

I have a trust fund that will be released to me August 2010. After that it will continue to distribute payments every 5 years. I have some debts that I need to take care of and I was wondering if it is possible to get a loan against my trust fund? Any help is greatly appreciated!


How can I get a consolidated loan with bad credit?

I was an irresponsible person from ages18-23…I have learned and gained responsibility and i want to make things right. I have paid off a lot of little debt but still have about $13,500 in all around debt.I want to clean my credit and get a consolidation loan but no one will approve me! I just want to have one single payment and make timely payments. Does anyone have any advice???


I need to get a copy of my credit report. Does anyone know where I can call to get one?

I’m afraid to get one over the net. Most of them want you to sin up for something. But I am more afraid to put all that information about myself on the net.


How do I get out of a payday loan without having to borrow again?


Need a 2500.00 loan 36month pay off credit score 620?


Please help , owes $4,289 on a credit card with a 17.5% interest rate. What is the monthly payment he shou?

Javier owes $4,289 on a credit card with a 17.5% interest rate. What is the monthly payment he should make to pay off this debt in 12 months, assuming he does not charge any more purchases with the card?

BEST ANSWER: Try this site where you can find the best solutions for your finance situations :Personal Finance


Refinancing for debt consolidation — second mortgage benefits?

I’m looking to refinance for debt consolidation. Is it better to refi my first mortgage which is at 5.625% or obtain a second mortgage?


Does anyone know of a legitimate Lender that does bad credit loans?

I’m trying to take out a loan to pay off some expenses, but my credit has gone downhill during the last year. Has anyone had a good experience or is it even possible?


My husband has filed bankrupcy and my name was not on the bankrupcy papers should I file separatly?

He had alot of income problems with his business so he filed Bankruptcy and my name was never involved ,And last year we filed together and it hurts my income filing with him,I have a daughter from another marriage and I usually get some money back because I only make about 8000.00 a year and now I have to pay in .Is it or am I better off filing by myself to help with my daughters needs or would it hurt more ? Confused with the tax issues,H&R Block pretty much told me I have to file together..Help !


What are the easiest banks to approve for a car loan?

Bank of America, Capital one, Wellsfargo, Chase ? Im goin auto loan shoping tommorrow so if you have experinced miracle auto loans please tell me?


What is one difference between fixed-rate mortgages and variable-rate mortgages?

A. Variable-rate mortgages usually start at higher interest rates than fixed-rate mortgages. B. Variable-rate mortgages usually start at lower interest rates than fixed-rate mortgages. C. Variable-rate mortgages’ interest rates remain lower than fixed-rate mortgages throughout the loan term.


Need a $5000 auto loan with no credit, any way?


Can you still get a home loan if you have had a foreclosure?

We had a home it was in really bad shape. So we filed bankruptcy (a long with credit cards) It wasn’t because we couldn’t make the payment, we couldn’t do the repairs.We would like to buy again. But don’t know if we can get another loan. If anyone knows anything about this please let me know what our options are. Thank You and God Bless!!!!


If I am a cosigner on an auto loan and I have an auto loan of my own what will happen when I file chapter 7 BR?

I plan on keeping my auto loan and my fiance needs to keep her vehicle. I am worried they will not let me keep my name on the loan I cosigned for… someone help me please I am filing in the next month.

BEST ANSWER: Try this site where you can find the best solutions for your finance situations :Personal Finance


How can I get a copy of my credit report for free?


Does being a Cosigner for an auto loan help build credit?

I have been a cosigner for an autoloan for 2 years now. And the owner and I have never missed a payment or paid late. Does being a cosigner give me auto loan experience? I’m looking to trade the car in and apply for a loan myself. Also I have multiple credit card and have never missed a payment or paid late on those either. And I have low balances. My fico is also a 727. Do I have a chance? I’ve also been at the same job for 4 years, full time. And I gross approx. 1600 a month. And my total credit combined ( all my credit limits) total to 7700 and I only owe about 1700.


Is there a lender that gives out loans specifically for people with bad credit that is not a payday loan?

I need to know of a lender that helps people who are over their head in debt and need one loan to put them altogether under one large lump sum about $4000.00.


I have horrible credit the lowest of the low and i want to get an auto loan but for private party? Help me!?

I want an auto loan so i can buy this car from my friend but i have bad horrible credit, does anybody know who can help me?



BEST ANSWER: Try this site where you can find the best solutions for your finance situations :Personal Finance

I need help with info on bankruptcy.?

Since 2005 i messed around with alot of my credit cards. I have a big debt on my head becuase i am unable to pay for the payments. The charges are mearly careless things such as resturaunts , purchases, medical, and more. When i started using my cards it was only for a few months time. Since then i havent used my cards. I have a debt of 7000 dollars. I an unable to pay it back as for i am unemployed. I decided to live off my cards a little more because thats the only solution for now. Should i file for bankruptcy in order to get rid of this big debt and start all over? Can i file for bankruptcy? IS it a hard processs? please advise.


Please help , owes $4,289 on a credit card with a 17.5% interest rate. What is the monthly payment he shou?

Javier owes $4,289 on a credit card with a 17.5% interest rate. What is the monthly payment he should make to pay off this debt in 12 months, assuming he does not charge any more purchases with the card?


Can I pay my auto loan up for 7 months?

For example I have a auto loan with wells Fargo and I wanted to know can I make multiple payments so that my next payment isn’t due till march of 2014


I have recently taken out a loan, I need some advice?

About 6 months ago I took out a personal loan 20k to pay some doctor bills and other things, I am unable to pay my loan now. If I tried to file bankruptcy would I be able to claim this loan and get it wiped or will I still have to pay it.

BEST ANSWER: Try this site where you can find the best solutions for your finance situations :Personal Finance


Any good identity theft protection companies?

i’m trying to find a good identity theft protection company who is good. i can’t decide or find one. i was going towards lifelock but then i heard there was a scam and that they are being sued. Is this true? if so, then what are some alternatives to lifelock, but if not, what is better to pay for…the basic or the command center in lifelock. please help! i’ve had soo many things put under my name and i’m only 19!


I need a small payday loan but i have no bank account. i can pay back within 2 weeks. how can i get one?


I need to make a business plan for my mortgage brokers. I need an outline to help me get started.?

A daily plan that can be used to set and meet goals. M-F weekly outline. breaking down each hour.


How do you get any loan with horrible credit and negative checking account…i boggled…need help?

the story is that i need cash fast to make a payment on my vehicle, to pay my credit cards min payment, and car insurance. The only thing is that i am negative 475 dollars in my checking account with wells fargo. I tried getting a payday loan but cant get one because my account is negative. I tried prosper.com, and they too wont accept you to borrow for the same reason. What is a person to do? Anyone have any suggestions? My check was negative earlier in the month too, my check from my job has direct deposit and was deposited before i could stop it, and it didnt really dent the negative balance because i had a direct advance of 500 dollars. i didnt plan on being in a negative status. i need suggestions.


My Credit score on Experian is 961 and I can’t get credit?

Is 961 Experian Credit Score good? As I can’t get credit? UK? I tried to get a Argos card and said no…. I tried to upgrade my basic current account with my bank said no…. Checked my score online is now 961 and says excellent… What’s going on? Any help would be really appreciated as I am looking to get a mortgage in the next 5 years and need to build it up. Thanks


I need to find a loan shark in the Dallas area.?

I need to borrow anywhere from 11,000.00 to15, 000.00 ASAP. My credit is horrible at the moment. I will pay the money back w/ what ever interest. I have tried to apply for a few loans and have been denied, so that is not an option. I will have a large check coming in at the end of the year, but I need the money now. So if anyone knows a loan shark or can lend me the money I’d really appreciate it.


Car loan for 487 Fico score?

Does anyone know any sites that offer car loans for someone with a 487 Fico score? I need a reputable website.


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 it’s for a 3-month trip to America. He’s 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?


How can I check my credit online?

I live in UK and need a free credit report. best answer 10 points!!!!!!!!!!!!!!

BEST ANSWER: Try this site where you can find the best solutions for your finance situations :Personal Finance


Do anyone know where I can find a LOAN SHARK?

I have bad credit and do not qualify for a bank loan or payday loan, so I need to find a LOAN SHARK IN ILLINOIS. NEED LOAN IN THE AMOUNT OF $20,000 WILL PAY BACK IN 6 MONTHS WITH ANY INTEREST RATE.


Please help , owes $4,289 on a credit card with a 17.5% interest rate. What is the monthly payment he shou?

Javier owes $4,289 on a credit card with a 17.5% interest rate. What is the monthly payment he should make to pay off this debt in 12 months, assuming he does not charge any more purchases with the card?


I am looking for a private lender/loan shark in pensacola,fla. who can loan me 15k today,can pay back in18mnth?

i can repay this loan in full in 18 months i am full aware of what i am getting into,and i accept it i need to pay off some bills and buy my 3 month old son christmas i am out of work until feburary and i need this money today if possible


I’m being charged twice for my student loans – what can I do?


Adding new auto loan to existing one?

I currently have an auto loan for the car I am driving now. I have about $12k left on it. This current car has depreciated greatly in value and I want to buy a new one. I would need to take a loan to do this is think? I want to make monthly payments. Is there a way that I could combine these 2 loans into 1 so that I would have just 1 monthly payment? I don’t know anything about this type of stuff. Thanks.


I need a Bankruptcy attorney.?

This is for Mr. get a life”


Does checking your credit rating affect your credit rating?




















































Can some one afford a houses 250k if he she is making 61k a yaer?

Can some one afford a houses 250k if he she is making 61k a yaer?

BEST ANSWER: Try this site where you can find the best solutions for your finance situations :Personal Finance


RELATED:

Where is the best place for me to get a personal loan?

I’m 18 I don’t have anything against my credit and the only thing I know of is I owe 100 dollars to the old bank I used to use, but I have wells fargo now. I make 1100 a month and have rent of 535 for my apartment. I have been employed for over a year also. I’m looking to get a personal loan of 1500 to 2000 dollars. Where is the best place for me to apply?


How can I get out of the payday loan trap.?

I have fallen into the payday loan trap and am looking for a way out. Any tip will be appreciated.


Update date of birth in experian?

I can’t get the paypal debit card, I call paypal, and paypal tells me that my date of birth doesn’t match what experian has in their system. Experian has the wrong date of birth somehow, and I don’t know what number to call or anything to update it, any ideas?


Target Visa Credit Card vs. Target Credit Card

I want to apply for a target card to increase my credit score over time, but I’m confused as to what’s the difference between a Target Visa Credit Card and a Target Credit Card. Could someone please explain this to me? Ty!

BEST ANSWER: Try this site where you can find the best solutions for your finance situations :Personal Finance

25 year old declaring bankruptcy?

Is this a bad idea? I am a 25 year old guy thinking about submitting a chapter 7. I just lost my job and I am running really low on money. I have a lot of medical bills from a car accident about half a year ago that I’ve been paying off, but I won’t be able to pay them much longer…It is around $20,000. I had to move back into my parents house…In my field of work, they perform credit checks before they hire…will this really hurt my chances of getting hired in the future?


How to Calculate IRR (Internal Rate of Return) Manually?

You buy an equipment for $ 16,980/- and receive a cash inflows of $ 3,000/-per year for 12 years. What is the internal rate of return? I know how to calculate IRR on Spread Sheet/Calculator but I want to know the formula to calculate it manually as it would be required in my Financial Management exam.


Best online auto loans?

I need some good and reliable places to apply for auto loans online. I have bad credit because of idenity theft, so something that suits my needs.


Can some one afford a houses 250k if he she is making 61k a yaer?

BEST ANSWER: Try this site where you can find the best solutions for your finance situations :Personal Finance


Will is buying a house for $185,000. He is financing $165,000 and obtained a 30-year, fixed-rate mortgage with?

a 6.725% interest rate. How much are his monthly payments? Karen is financing a $285,000 mortgage for 30 years at a fixed rate of 7.15%. What is the total cost of the principal and interest after 30 years? Archie is financing a condominium for $423,000. He gets a 30-year, fixed rate mortgage with a rate of 5.375%. How much interest will he pay over the life of his loan? Round to the nearest dollar. Mercedes is debating between two different mortgages for $142,000. She found a 20-year fixed rate loan at 7.45% and 15-year fixed rate loan at the same rate. How much more interest will she pay for the 20-year loan versus the 15-year loan?


New job – will this affect getting a car loan?

I was employed previously. No gap.


Invalid credit card numbers?

So this has been EXTREMEMLY frustrating and after hours of work and research i got to adding a credit card to my PS3 account. but i added the credit card numbers (i double checked that theyre correct and no typos like 4 times) and i pressed enter at first with the spaces and then i tried without the spaces. each time it says please enter a valid credit card number”. PLZZZZZZZZZ i need help fast this is so ******* ANNOYING!!! thnks if you have help tho : )”


Your card company quotes you 17.9% rate. Interest billed monthly. What is actual rate of interest you pay?

the answer choices are: A. 19.72 percent B. 19.44 percent C. 19.57 percent D. 19.21 percent E. 19.03 percent


Anyone know any good places for loans without credit/bank account?


If my car is stolen, and i financed it, does the insurance company pay off the loan AND give me the blue book?


How do you read a credit report?


Anyone a student, and filed for Bankruptcy, or know anything about this?

A student’s loans are in default and can’t get financial aid because of the laws surrounding that, so if they applied for bankruptcy today, how long does it take to complete the process, for example if they started today, how long would it take from today until the process is complete?


Can some one afford a houses 250k if he she is making 61k a yaer?

BEST ANSWER: Try this site where you can find the best solutions for your finance situations :Personal Finance


Auto Loans–what is a good credit score?

I know my credit score is horrible (540) and within the next 2 months most of the stuff will be taken care of on my credit report. What are dealerships looking for? I know they are loooking for people like me to make money with high rates on loans but what should mine be so they don’t screw me? Thanks!


How safe is Creditloan.com?

Hello, I have question regarding this website: http://www.creditloan.com/ It looks legit, but before I decide to give out personal information I wan’t to know if anyone has ever had experience with this particular website. How much are the interest rates? How long do you have to pay a personal debt consolidation loan? How fast do you have access to the loan? Do they deposit directly to your account? And most importantly, are they legit?


What’s the adult webcam website that gives free credit (not requesting my credit card or other stuff)?

I used to know 1 webcam site where I could get 10 free credits without needing enter my credit card details only register with them provide email and that’s it. I don’t remember anymore.


Who can File Bankruptcy?

Please explain me who can file for bankruptcy


I just received an escrow check from my mortgage company. What is it for and is it for real?

I have been in my home for roughly ten years now. It is a manufactured home. I pay my own property tax and insurance


Are you still liable for a payday loan if they refuse a payment?


Home loan questions first time buyer?

im in the market for a home currently I am a first time buyer with a credit score of 700 my question is about loan types which is best ? why ? Im really blind going into this and help is appreciated


How to I transfer my FHA mortgage to a new new home purchase?

I bought my first house last year with an FHA loan (for about $196,000). I need to move for my job and would like to sell my house and buy a new house in the new city. It might take a while to sell my first house. I read somewhere that the FHA loan is portable and you can easily use it to buy another house, Does this mean that I won’t have to reapply for a mortgage or have my finances scrutinized again like it was when I applied for my first home? Any advice would be appreciated.

BEST ANSWER: Try this site where you can find the best solutions for your finance situations :Personal Finance


Major effects / limitations after filing for Bankruptcy?

My wife is under the impression that filing for bankruptcy is the same as a mark of death. A black cloud that follows us everywhere we go for the next 7 years. We will be outcasts unable to finance anything or make any major purchases (new cars, new home, etc). On the other hand, I hear that it’s not necessarily the end of the world and not as bad as people believe. That people do it all the time, and that within a year aren’t any worse for the ware. I have one friend in the financial field who says he financed a loan for a couple that filed BK just a week earlier. But realistically, what can I expect after I file? Is it really as bad as my wife thinks? Or is this the fresh start that my friend recommends and that we so desperately need?


Which dpeartment stores approve bad credit?

I have bad credit. I was told to get a department store credit card (supposedly easy to obtain) to help improve my credit (charge only what I can pay off). My question is which ones approve bad credit? I don’t want to apply to places that won’t approve me and only drag my score down more by inquiring about my credit report.


Why does my credit profile say that I have no employment history on record?

I recently checked my credit profile and it states I have not employment history on file. I have been working for the same corporate chain for 4 years now. Doesn’t this look negative to not have employment history on my credit record? How can I fix this?


Concerns about mortgage pre approval from bank of america?

I received pre-approval from Bank of America for an FHA and VA Vendee loan. This was in early April and they pulled my credit before granting the pre-approval. I finally found a house and made an offer that was accepted. The proposed closing date was scheduled for July 29, but because of the length of time between then and when I received the initial pre-approval, I was advised to allow them to pull another credit report (this was last week). I did this and my score is now 656 (up from 628), my debt-to-income ratio has slightly lowered (due to paying off one credit card and paying down another) and everything else is the same. I had a bankruptcy which was discharged four years ago, and since that time I struggled for a few months (late 2008/early 2009) and had an erroneous state tax lien on my report. They asked from an explanation for these events and stated that I could provide a letter explaining the situations. These same items were on both credit reports pulled by BoA, but now I am being told that they are denying approval because of these items. Why would the grant a pre-approval for 170k, but deny my approval for 97k? I am a college educator and I have been on the job for almost three years. I was told that they would need certain items to process the loan, however they requested none of these items before denying me. I received pre-approval from Wells Fargo (also done in early April) which is still valid. I spoke with that loan officer today and he doesn’t see the problem. I would prefer the Vendee program because of the lower fees/closing costs in addition to the zero money down payment, however I may have to go to the FHA from Wells Fargo. Does anyone have any suggestions on what to do or why this could have happened? Has this happened to others? Any information that anyone can give would be greatly appreciated. Thanks.



BEST ANSWER: Try this site where you can find the best solutions for your finance situations :Personal Finance

What is the best loan product for a $500k house, with $0 down and low payments?


Can some one afford a houses 250k if he she is making 61k a yaer?


Where do you get a credit report from?

I’m 19; and I want to know the number or something so that i can apply for a credit report. Numbers and etc would be nice. Thanks,


Someone stole my car title and got a loan. please help?

I just discovered that my car title was stolen yesterday (but I believe that its been gone for about a year now) because I had moved and left a lot of documents at my uncle’s house and he told me he threw” them all out. Now I just realized that my car title was there also. Well anyway

BEST ANSWER: Try this site where you can find the best solutions for your finance situations :Personal Finance


Has anyone use a payday loan help organization to resolve payday loan issues?

I have several payday loans I need to consolidate because the recurring fees are overwhelming.


Car loan for an unemployed college student?

I am currently a full-time student at a university and I live in a very rough area and I take the bus to get to school and it takes approximately 2 hours to get to school and 2-3 hours to get back home depending at what time i get out. Yesterday 6 people were shot on my street…the obvious option is to move, but i would still have to take the bus and well it is generally bad everywhere ( i carry pepperspray but i dont think thats enough). But wherever I go im still going to have my transportation problem, and I cant get a job because there still remains the same issue. So if I get a car, i can get to the university a lot safer and it will allow me to get a job on weekends. The problem is getting approved for a loan, I have a co-signer but all the places i have tried so far (online) have rejected the request because i am unemployed and have no credit history (turned 18 in august)….so i dont know what to do…please help. Should i just go to a dealer and see if i can get financed?


Bank of America car loan??? Plz?

Will a bank of America let me get a 2200 dollar loan for a car? Or is that too little of a loan?


What do banks look for when applying for an car loan?

Hey im 21 and I live in Toronto, ON Canada…my monthly income is $2000 and i only have my cell phone bill of $100 and my credit card payments of $30 a month to spend…My credit score is 650 -700 and i make all my payments on time and never miss them. My bank that i deal with is TD CanadaTrust..I have no assets…I was just wondering what are the things that could get me approved for a $23000 car loan for a new car ?…ie: age, term at job, credit score, assets ? like what is it all about? how does it work ? and is this the best thing for me to do ?..Please let me know….Thanks


What year of a used BMW 3 series is the most reliable AFTER warranty runs out.?

Robert, I’ve strongly considered Car and driver as a good argument and point to how the 3 series is a good car. It is a good car, but good does not translate to reliable. Car and driver reviews the newest models and when reviewing the newest models, you are not reviewing the long term reliability of ANY vehicle, it is purely from a driving, comfort and option based standpoint. I can’t tell if my new pc is gonna crap out on me the second I buy it, so how would one with a car? Based on everything I have read, you’re one of the luckier ones and your friend, too.


Need a loan shark in the next 15 hours? uk epsom langley vale!?

please no scams need 15,000 pounds


What is the online address for the free credit report w/ free fico score I saw on TV?

It is NOT freecreditreport.com though both my sons stop to listen to their jingles. This was direct from one of the 3 credit reporting agencies and the offer was good into March. Usually when you request your free yearly credit report from Experian, Trans Union or Equifax you have to pay to see your FICO score. This tv offer was for your free yearly score plus a free FICO with it.


Do I need to include store credit cards on an apartment rental application?

Under the credit references section, there’s 1 spot each for savings account, checking account, credit card, and auto loan. I paid cash for my car so there’s no loan there. I don’t have any conventional credit cards (Discover, Visa, AMEX, etc.) just a store credit card for Firestone (an auto repair/tire shop). Should I include the Firestone card? The card is issued by Credit First National Association, if that matters…


In the state of Kansas, can payday loans press charges against you for not paying back loan?

I took out a payday loan about a year ago, and I have been harassed by companies saying they are pressing charges. In the state of Kansas, is it legal under Kansas Statutes for them to prosecute you for check fraud? Or is it just the collection company using the loan shark tactic? What if you used a check from a closed account as well…

BEST ANSWER: Try this site where you can find the best solutions for your finance situations :Personal Finance


Is MyEDDebt.com a legit site to pay off school loans?

It looks alright, but I am not sure. I am in default and need to pay off my loan and I’d rather pay online.


Can some one afford a houses 250k if he she is making 61k a yaer?


Can you start the bankruptcy process in one state and move to another and finish the process?

Started in California and moving to Missouri


Is it possible to get a $5,000 cash refund from student loans?

Hello everyone! I’m going for the vocational nursing program in the state of California and the tuition for the entire program would be around $20,000. Aside from financial aid and federal student loans, I want to apply with a private student loan for an amount for $10,000 or $15,000. (We are looking into Sallie Mae) I currently live with my dad whos in his 80s and I’m 27 yrs old. I currently take care off him since he is by himself and has prostate cancer stage 3. My dad has great credit and is very successful for his age. He says, he has no problem signing a private student loan with me between $10,000-15,000 and the rest would come from FAFSA and Federal Direct Loans. My dad also wants me to get information if where I can get at least $5,000 or even $10,000 in college cash refund, so that I don’t have to work full or part time jobs. I can use that money to help me with my day-to-day expenses for the entire year and a half program for the LVN or licensed vocational nursing. My dad says it’s fine to get that much debt now, because once he dies he has 2 houses and some cash all ready to be given to me on his will. So my question is: Is there a way where I can get $5,000-10,000 in cash refund now from student loans and just pay them later on in my life? Or no chance? Pls don’t tell me to go for the RN degree, I always hear that from lot’s of people. I could care less about the RN degree. You do know their 4 years and not 2 years right? 2 years pre-requisuite classes & 2 more years for general nursing classes. And not to mention that the community colleges here are tough to get into esp within my area cause of the lottery” thing. Anyway


Whats the difference between the interest rate and the APR in a mortgage loan. How is ARP calculcated?

Take for example a 30-yr conforming loan at 5.5 interest rate and an APR of 5.98. What does that mean and what are the factors involved in determining APR.


How long does it take for a bad credit rating to ‘disappear’?

I was wondering if you have a bad credit rating and about $3,000 worth of unpaid defaults, and never do pay them, and basically let them go… does it clear itself after so many years? I have been told by numerous people that it clears, and you can apply for credit after 7 years, and if you declare bankruptcy I know you can apply for credit after 3 years. So does anyone know if bad credit clears after a certain amount of time, or only if you pay the defaults?


Bankruptcy and Immigration?

Please, do not send me any web links to law firms or attorneys websites. I already have a lawyer. I do not trust anyone who wants my money, thus, the reason I am asking these questions on yahoo answers. I want an answer from someone who has been through this. I am thinking of claiming bankruptcy (Chapter 13). My wife is originally from China and she is now a U.S. permanent resident. My question is, if we claim bankruptcy (Chapter 13) will me or my wife have any travel restrictions (Will we have problems leaving the U.S if we need to)? If we wanted to sponsor my wife’s parents to come to the U.S. would it be a problem because of our financial situation? Please only respond if you have accurate information or have lived through this situation already. Thank you in advance.




















































My dad filed chapter 13 bankruptcy. He never added my car to it. So I pay the payments on it. What is the?

My dad filed chapter 13 bankruptcy. He never added my car to it. So I pay the payments on it. What is the?

of the car getting repoed? How long will it take? Does the Trustee have to notify my dad? I cant afford to pay the car. Its either pay the car or live on the street with my 3 kids.

BEST ANSWER: Try this site where you can find the best solutions for your finance situations :Personal Finance


RELATED:

Can you find out your credit rating online and free?


IΒ΄d like to find an absolutely free online credit report online?

Does anyone know where I can find a free online credit report to pull up online without the hidden costs of any monthly fees or one time charges? Your help would be greatly appreciated. Thanks..


What state exemptions do I use for bankruptcy?

Foreclosure in FL; moved to Wisconsin. Considering bankruptcy. I found out I can file in Wisconsin however, what state’s exemptions can I use? How long do I need to live in Wisconsin to use the exemptions here?


How can I view/check my credit score, for free?

I want to check my credit score, for free, online, if possible. What site would I go to (secure/trusted site)?

BEST ANSWER: Try this site where you can find the best solutions for your finance situations :Personal Finance

Two-companies (partly owned subsidiary) consolidation?

What does that mean?? Does that mean one parent and one sub, or one parent and two sub??


What happened when you filed bankruptcy? Tell me your story?


Is an on-line cash advance safe?


My dad filed chapter 13 bankruptcy. He never added my car to it. So I pay the payments on it. What is the?

of the car getting repoed? How long will it take? Does the Trustee have to notify my dad? I cant afford to pay the car. Its either pay the car or live on the street with my 3 kids.

BEST ANSWER: Try this site where you can find the best solutions for your finance situations :Personal Finance


Question about debt collection agency and filing bankruptcy?

about 7 years ago i co-signed for my friend’s student loan (yeah i know it was very stupid thing to do, i was young and i didn’t know better) and friend disappeared now and they want me to pay for it. with interest now it’s up to 110K, and file got transferred to debt collection agency. now the debt collection agency wants me to pay 55k. I have no job, car, or house, i have nothing under my name. if i file bankruptcy, could i get out of it? i heard even with bankruptcy i still have to pay student loan. any kind of advice will be appreciated πŸ™‚


Will bankruptcy save my home?

the bank says i am in default, they sent my last payment back to me can i file bankruptcy and save home


Best online payday advance loan?

i want some loan asp


I’m 20 and i have 8k in debt i need some help.?

Can anyone give me the names of some good debt companies i can trust. and how does it work? they pay if off and i pay them? and do they charge for helping me?


How to buy things online with a RBC debit card?

I want to buy donorship on a minecraft server and my parents will never ever let me use their card and I’m not old enough to get a credit card. My debit card has no CSC and expiration date so I was wondering how to sign up for PayPal or is there another way around that help! BTW I USE ROYAL BANK CANADA DEBIT CARD


I was thinking of taking out a payday loan on line….?

I live in New York City,any recommendations?


Has anyone heard or used Cobbs Lenders?

Gives online loans for a fee


Can you get a USDA loan on a forclosure/auctioned house?

there are forclosures in our area that would make us pay less than we do with renting, so then we would have money to save


My dad filed chapter 13 bankruptcy. He never added my car to it. So I pay the payments on it. What is the?

of the car getting repoed? How long will it take? Does the Trustee have to notify my dad? I cant afford to pay the car. Its either pay the car or live on the street with my 3 kids.

BEST ANSWER: Try this site where you can find the best solutions for your finance situations :Personal Finance


Debt to Income vs. Auto loan?

I have a few student loans on my credit file that make my debt to income ratio at 42%, but they are deferred until September 2007. I am trying to get an auto loan and the loan officer told me that I need to have proof of deferment to make my current debt to income ratio drop. The proof of deferment is no problem, but my concern is that the deferment is just until September. Would that be a long enough deferment to be approved for my loan? I begin classes at another university in May and I could get an extension for my current deferment, but I guess I wouldn’t be able to get the extension now already. I really need to get the auto loan now and cannot wait for an extended period of time.


How do I get my mortgage loan approved if the appraiser declared the house uninhabitable?

I currently have a contract on an as-is house that needs a new roof. The roof leaked through to the ceiling in one small (2′ by 3′) area, so the appraiser said the house is uninhabitable. Therefore, I can’t get the mortgage until I fix the roof and the ceiling. The estimates to do patch jobs on both are about $500 each. I know that I need a new roof and a new ceiling, and intend to replace both as soon as I close, but I’m definitely not going replace both before I close. It would be much more cost effective for me to find some way around the uninhabitable” appraisal


What are the best student loan consolidation options?

I have some $50K in student loan debt, which is defaulted, and in Colorado and New Mexico, across several loans. What are my options as far as consolidation goes? Are there non-profits that could help the interest stop? Will I be eligible while they are in default or do I need to get them out of default first? The current asking payment rates on my loans total about 40% of my income and are not feasible at this time. Specific names and websites of agencies that can provide assistance would be appreciated.


Paying bills months ahead of time?

I was wondering everyone’s opinions on paying bills a few months ahead of schedule. I really want to have May, June and July’s bills paid up by May so that I won’t have to pay bills all summer. We could use our checks for trips or to put into our savings. It would also be nice to just feel like I don’t have to pay bills for 3 months. What’s everyone’s opinions? Would you do this?


What is the online address for the free credit report w/ free fico score I saw on TV?

It is NOT freecreditreport.com though both my sons stop to listen to their jingles. This was direct from one of the 3 credit reporting agencies and the offer was good into March. Usually when you request your free yearly credit report from Experian, Trans Union or Equifax you have to pay to see your FICO score. This tv offer was for your free yearly score plus a free FICO with it.


How much can we haggle when buying a used car?

I know the general rule is never pay sticker price” – I need a car… something used


Just filed 4 bankruptcy..will the court take my tax refund .only get tin $4500/2kdz?


Is paying your bills online better than writing personal checks?

People I am talking about hackers. No sending your acct number to a company.

BEST ANSWER: Try this site where you can find the best solutions for your finance situations :Personal Finance


Please help!! Year 12 maths assignment question, home lones!?

Amelia and Andrew need to borrow 250 000 for their home. They have a choice of two loans from the Commonwealth bank. Loan 1: A variable rate home loan at 7.81% reducible interest over 30 years with minimum repayments of $1898.18 per month. Loan 2: A fixed rate home loan at 8.25% reducible interest over 30 years with fixed repayments of $1971.13 Amelia and Andrew believe they can pay $2050 per month. If they do, loan 1 will be payed off in 20 years and 3 months. By first researching the difference between a fixed rate home loan and a variable home loan. Provide a recommendation to Amelia and Andrew about which Home loan they should choose. In your recommendation provide a strength and limitation of both Loan 1 and Loan 2. PLEASE SHOW WORKING OUT!!


Can you get multiple personal loans?

I took out asmall loan a couple months ago ans I have not paid it off yet. Now i am needing about 1200-1500 loan for school. Can i take another loan outeven if I have the other one out as well


What effect does bankruptcy cost have on debt holders?


Personal loan help!!?

Hi I need to take out a 700$ loan because I need some equipment for my job. I need it to be long term (6 months plus) the banks turn me down and I dont want a Payday loan is there any options?



BEST ANSWER: Try this site where you can find the best solutions for your finance situations :Personal Finance

Chapter 13 Bankruptcy Question?

I have filled out a 22C and found my disposable income is around $50, yet I owe over $35,000 in medical bills and whatnot. I have filed Chapter 7 BK in the past few years, so as I understand it, I could file for Chapter 13. How would the court calculate my payment with such a small amount of disposable income? Would I only pay $50?


My dad filed chapter 13 bankruptcy. He never added my car to it. So I pay the payments on it. What is the?

of the car getting repoed? How long will it take? Does the Trustee have to notify my dad? I cant afford to pay the car. Its either pay the car or live on the street with my 3 kids.


I had a Chapter 7 Bankruptcy in 2001. My credit scores range from 550-624. How many points is a bankruptcy?

I have other negative marks on my credit reports, but I disputed most of them, and now it is just 2 or 3 on each on, no credit cards, just like unpaid doctor’s bills and hollywood video. How much will my score go up when my bankruptcy goes off my record in 2011?


Is it easier to get a loan from a credit union than a bank?

The difference between credit unions and banks..

BEST ANSWER: Try this site where you can find the best solutions for your finance situations :Personal Finance


Would I get approved for a $150,000 home loan? My annual salary is $54,080. My credit score is currently 605..

I have about $700/per month in debt. I have some late payments on my credit history, but all are at least 10 months ago. I’m looking at houses around $150,000, but want to know how much home I can get approved for or if I can get approved at all? Thanks for all of your answers.


If I make a large payment on my auto loan, half of the purchase $, will that reduce my monthly car payment?

I am taking out a (new used) auto loan, no choice to wait, emergency situation. It’s a high interest now, but in about 3 months I will be able to pay off half of the purchase price. Does anyone know if this will lower my monthly payment when I send in this large payment? Or will I still have the same payment until the balance is paid off? I don’t know how these loans work. Thanks,


Algebra 2 word problem help!!!?

You have just graduated from college and purchased a car for $8000. Your credit limit is $11,000. Assume that you make no payments and purchase nothing more and that there are no other fees. The monthly interest rate is 2%. What is your initial card balance? a.19,000 b.3000 c.8000 d.11,000


High debit credit ratio need a loan who will give me one?


What’s the best free VPN app for android?


Can you take out 3 payday loans at once?


Considering bankruptcy–what to do?

I am in the process of considering bankruptcy. I lost my job and it is getting harder and harder to support me and my kids. We live in a pretty nice house and I was able to buy a decent car when I had a stable income. But now, I am afraid of losing it all. Where can I find in-depth information for a search on bankruptcy on the internet? I want to be able to talk to a lawyer and know exactly what he is saying and not feel stupid.


Where can I get a small loan for bad credit that isn’t a payday loan?

I only need a small amount, $500 – $600, and I need it directly deposited into my checking account.


Where can I find how to pay my auto loan if my finance company has gone out of business?

They’ve given no notice via phone or mail. I’ve just called into the customer service line to make my payment over the phone and a recording directs me to another number, stating that the company is no longer in business… The other number just rings with no answer, recorded message or option menu.

BEST ANSWER: Try this site where you can find the best solutions for your finance situations :Personal Finance


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.”


My dad filed chapter 13 bankruptcy. He never added my car to it. So I pay the payments on it. What is the?

of the car getting repoed? How long will it take? Does the Trustee have to notify my dad? I cant afford to pay the car. Its either pay the car or live on the street with my 3 kids.


Can I buy a car that has been declared in a bankruptcy?

Long story short, I have a friend and her and her husband filed for bankruptcy two years ago and declared both of their vehicles in the bankruptcy. He is getting ready to get another truch and she will be driving his current truck. She was just going to turn the car into the bank but I was wondering if there was any way for me to buy the car from the bank or pay it off in the bankruptcy since the bank holds the title. What are the rules on this?


Can I obtain a home loan owing Arrears in child cupport?

I am trying to obtain a home loan. I owe somewhat around 4-6 grand in arrears in child support. I am currently paying it off through my paychecks from work. I have a credit score of 637. I tried to apply for a home loan because my family needs to move out of this apartment, however I was denied because of two reasons. I haven’t had a credit card for 12 months (only 3 months) and I owe arrears. I plan on catching up my arrears with my paychecks but I don’t know how long that is going to take. Does anyone know of a loan company who will overlook arrears? It is the only thing on my credit holding me back.


Whats the best website to go to? to get a unsecured loans for debt consolidation. with bad credit and no?

homeownership??? thanks. please give me a answer? thanks


How do I sort out my credit scoring?

I am 25, I have awful awful credit scoring and this makes things worse. The more I am not allowed credit cards and overdrafts, the worse things get. I need simplistic bullet point advice on how to raise my credit scoring! NO STUPID ANSWERS THAT MAKE YOU FEEL BIG AND CLEVER – THANK YOU.


How do Visa prepaid cards work?

Do you just buy a 50$ Visa prepaid card, go to somewhere that supports Visa (like Amazon), buy 50$ worth of stuff, then just write down the code on the Vise prepaid card? Or is there more to it?




















































I need some finacial advice – I have been living with my bf for 6mnths now – we live with his parents. he earn

I need some finacial advice – I have been living with my bf for 6mnths now – we live with his parents. he earn

$870 and I earn $500 after tax. Now his financial commitments are his $4000 loan (min repayment $40pw), $60 petrol & $50 board. My finances are $5000 loan (min repayments $40pw), $ 50 board, $50 petrol and $54 gym membership. We are both currently trying to save for spending money in Thailand which is in 10more pay days. Any advice on how we should budget our money so that we can save some up for Thailand plus just to save up in general?

BEST ANSWER: Try this site where you can find the best solutions for your finance situations :Personal Finance


RELATED:

I need a cash advance as soon as possible?

I have a good checking account, a job that pays about $200 every two weeks, another job on the side, and I have photo id. Will I have any problem applying for a cash advance? And will I get the money on the same day? Where can I get a cash advance?


Does anyone know of a bank or lending institution that makes bad credit loans?

I am in need of a a loan. I know the rate will be high. Banks such as american general, wells fargo and citi will not lend me anything. not because of recent bad credit, but due to old bad credit. I only have 2 accounts with history over 12 months and the rest are all new 5 months or less. I need to only borrow around 5000. any help with this would be great. my score is low but like i said its not due to recent bad credit other than a judgement from 98 that showed up back in January. I have paid most of my collections off as well and still cannot seem to get help.


Interested in the HR Block Emerald Advance (line of credit)?

New and previous customers qualify if: . You do not owe H&R Block (previous advance) . You do not owe the IRS . You don’t have outstanding student loans . You do not owe back childs support . You have not filed for bankruptsy . You made over $10,000 this year . You are currently employed . You will be getting back over $1,000 on you refund They WILL be doing credit checks this year, but they are only looking for the above mentioned items. Bring in your I.D and your last pay stub If you DID NOT do your taxes with H&R Block last year, bring in your 2007 tax return You can borrow up to $1,000 this year! Most people qualified for $800 Last year they did not do credit checks, and you could only borrow up to $500. This year some of the requirements have changed because the amount you can borrow has gone up. For some reason alot of people have been getting denied. H&R Block seems to think it is due to system problems they have been experiencing (too many applications trying to be processed at once, nationwide). Try going in as early in the morning as possible. The system should be clear of Emerald Advance applications. Bring in all of your required information. Good Luck! PS. Tell us how it went!


Nationwide auto loan? ?

So my dad applied for a 2000 dollar auto loan for nationwide, they sais they will contact him in 3-5 business days. It said on the website 100 percent approved. Does that mean we will defiantly get the approval. And if they approve it how long will it take to get money, he applied for it on Friday, and I really need the money by Friday, will this be possible? Thanks!!

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How to get approved for auto loan if you had some credit problems?

we got into credit card debit we are now paying off these debits with the help of credit conseling program.this has helped us . we now are making all bills and we have a savings. we are about to pay off a car with usbank that we did not include creit conseling .we have good down payment .do we have a chance of getting a new loan with us


Consumer Math Help Please?

Your friend wants to pay off his credit card with a balance of $880.00 and an interest rate of 16.65% APR by getting a loan from you. You agree to the loan, but insist your friend pay you interest of 3.25% APR. Your friend agrees. How much interest does your friend save at the end of the first month by paying you instead of the credit card?


Has anyone used Advanced interest minimizer from National Bi-Weekly Mortgage?

It sounds great, and I do I have the biweekly part of the program and it seems to work fine. But the Advanced portion is a bit more mystical and a lot more expensive. Promises to payoff mortgage in fourteen years without increasing payments. Does anyone use it successfully and what can you say about it?


I need some finacial advice – I have been living with my bf for 6mnths now – we live with his parents. he earn

$870 and I earn $500 after tax. Now his financial commitments are his $4000 loan (min repayment $40pw), $60 petrol & $50 board. My finances are $5000 loan (min repayments $40pw), $ 50 board, $50 petrol and $54 gym membership. We are both currently trying to save for spending money in Thailand which is in 10more pay days. Any advice on how we should budget our money so that we can save some up for Thailand plus just to save up in general?

BEST ANSWER: Try this site where you can find the best solutions for your finance situations :Personal Finance


How do i get my credit report without using a credit card?

I dont have a credit card and wont ask to use someone elses for this.


E loan recently offered 30 month auto loans at 3.6%…?

e loan recently offered 30 month auto loans at 3.6% compounded monthly if the most you can afford is a $549.00 payment a month how much can you borrow? Please help we have been working on this problem for a while. How can we find the answer? No formula seems to work.


What is the best 48-month auto loan rate in the bay area?


Chapter 7 Bankruptcy?

In process of filing Chapter 7 Bankruptcy – I am planning to surrender my house,car,two unsecured debts, and some medical bills. Question what will happen with my house, we can no longer afford to keep it due to basic upkeep,heating etc. The unsecured debts, I tried the route of getting help from a debt settlement company. Big mistake I found a few weeks back a notice of a court summons. So am taking the route of bankruptcy, after much thought and consideration. I am filing chap-7. I am getting ready to go through the credit bankruptcy certification class; have a call setup Monday. Any advice tips during this would be much appreciated. Will a chap-7 get rid of these debts? Attorney says most definitely; but am scared after the credit settlement ordeal.


Home Loan Finance – Australia?

Hi I would like to be a first time home owner. I have got a small amount of money saved, and of course the FHOG. I have had a small problem with my credit rating, however thats all fixed now. I pay more rent for over 5 years than what my montly repayments would work out to be and I have regular income. Why is it turning out so hard to get finance ?? Can u really trust brokers and non main stream lenders ?


Why would my bankruptcy NOT be granted?

This 314 has got me shaking for real,The lawyer got me straight all my paperwork is correct told me dont worry,its not that serious.But it is a big deal,are they going to hammer me at that creditors meeting or once they realy realize that I dont have assets it will be done and over?


Are credit reports free?


I am 24 with 19,000 of debt mainly 4 credit cards and hospital bills i just got garnished what can i do?

I am 24 years of age with 2 kids i work for a supplier of the big 3 (Ford, Chrysler,GM) i just started getting garnished from a credit card from 2002 i am wondering should i try debt consolidation or bankruptcy SOMEONE PLEASE HELP!!!!!!!!!!!!!!!!!!!!!!


I need some finacial advice – I have been living with my bf for 6mnths now – we live with his parents. he earn

$870 and I earn $500 after tax. Now his financial commitments are his $4000 loan (min repayment $40pw), $60 petrol & $50 board. My finances are $5000 loan (min repayments $40pw), $ 50 board, $50 petrol and $54 gym membership. We are both currently trying to save for spending money in Thailand which is in 10more pay days. Any advice on how we should budget our money so that we can save some up for Thailand plus just to save up in general?

BEST ANSWER: Try this site where you can find the best solutions for your finance situations :Personal Finance


My bankruptcy was discharged should my credit report still show creditors on it?

Should the report show creditors or should it show bankrupt? Im confused. I did chapter 7 and it discharged in January.


Question regarding military spouse and credit history impacting security clearance?

I am a military spouse who has only very recently gotten married and my wife is going through Basic Training soon. My credit history is pretty shaky and has several accounts in collections and a bankruptcy from 2005. Most of those accounts showing in collections SHOULD have been covered by the bankruptcy, and I’m researching that part. In total, the negative accounts show about $15,000. My question is: Will my negative credit history have an impact on her security clearance, and if so, is there anything that I can quickly do to avoid harming her career?


Where can I print out or get a bankruptcy form?

I already filed and when I was looking over my papers the paralegal did not include one creditor, I was told to just print out an amendment to list of creditor. I just cant find it. I don’t want to go back to the paralegal that prepared the papers since this is the 2nd time they missed something. I just need the form and I will complete and file with courts. I am filling chapter 7 in california. Please help, I just want to get this over with.


Can a company sell everything they own and property then go bankruptcy?

They refused to pay salary and my husband is very upset about $3250 that he didn’t get paid for. He met the owner and told him they are going bankruptcy and my husband also found out the owner sold his property and sold his company stuff to his friend. A lot of his friend that were working for him did not get paid. What are the solution?


Can I apply for section 8 without a credit score? I dont have a credit card.?

I live in Suffolk County NY and would like to apply for section 8 but every website is saying I need a credit score which I dont have nor do I have a credit card.


Are there any mortgage options that allow a borrower up to 100% Loan to Value?

We’re almost up to 100% Loan to Value on our loans (1st and 2nd), with the market in a slump, are there any options to just refinance and get a better rate (no cash out)? So far no lender I’ve come across won’t touch my loans because I’m past the standard 95-96% LTV and I’m struggling with the amount I pay each month on my mortgage and I really don’t want to lose my house, so I’m just looking for a better rate to lower my payments. My credit history is good with NO late payments, please give me some advice.


Help with finding my debt please?

i’m trying to find out all of my outstanding debt is theree a site that can help me find a report on all my debt.


What is the interest rate for private student loan consolidation at SallieMae?

Private student loans, not federal loans. I found the answer on their site. It’s Prime (8.26% today) plus 0-6% depending on credit worthiness, changing monthly.

BEST ANSWER: Try this site where you can find the best solutions for your finance situations :Personal Finance


How much is the fee to file for Bankruptcy in New York?

I am planning on filing bankruptcy, and I have been calling around to check the fees. But some lawyers are charging as much as $2000. is this right? Is there another aalternative fee-wise?


Interest Charges on Citibank card.?

I went into a debt consolidation program, and paid off all my cards last month, YIPEE!! Now I have a balance of zero, but got charges interest… 10/09 INTEREST CHARGED TO STANDARD ADV $9.97 10/09 INTEREST CHARGED TO STANDARD PURCH $10.04 What do these mean? and why did I get charges for them if I had no balance? I was young and stupid when I got this card, so feel free to add some advice, and explain things in-depth.


Making an amendment to open ch.7 bankruptcy?

So first off, I haven’t finished paying my filing feels or finished the online class yet so I know that my bankruptcy is still open. I’ve been struggling without a car now for about the last year and decided yesterday that it was time to get one. The auto lot financed me no problem, but I have a feeling that I got screwed over on the car. Its already making a weird noise and im afraid that I bought a lemon. So basically what i’m asking is, since my bankruptcy hasn’t discharged yet I am able to make amendments to still right? I just have to pay a filling fee of some sort. Well after I get this car looked at professionally, if it turns out I got screwed. Am I able to add this auto lone to the bankruptcy even though I got the loan during the process? Because I don’t believe there is anything I can do about the faulty car once I’ve signed the loan at the dealership is there? Please help, im definitely scared here and have never been in a position like this before. When I filled it was strictly because of medical debt from when I had no insurance. I have never had any personal debt, or even financed a car before


Building your own house. Do you pay a mortgage?

My boyfriend and I are deciding if we wanna buy a house or build our very own. and I just have a question that im confused on. when building ur own house from the bottom to the top. you pay for the property tax right? and do u pay for a mortgage??? or no? our dream house is still a year or two away. so we’re not in a rush.



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Im applying for an auto loan?

hi im 21 yrs old, ive lived at the same residence for 8 years, im a college student but also work full time. i have a credi score of 726, i am looking to apply for a auto loan. i have 5000 to put down and am looking at a 20,000 suv . what are my chances of getting approved? and what are the chances i will NOT need a co-signer..ive had my job for well over a year and i dont have any bills besides my cell and credit card bill… thanks…


I need some finacial advice – I have been living with my bf for 6mnths now – we live with his parents. he earn

$870 and I earn $500 after tax. Now his financial commitments are his $4000 loan (min repayment $40pw), $60 petrol & $50 board. My finances are $5000 loan (min repayments $40pw), $ 50 board, $50 petrol and $54 gym membership. We are both currently trying to save for spending money in Thailand which is in 10more pay days. Any advice on how we should budget our money so that we can save some up for Thailand plus just to save up in general?


What auto loan interest rate will i be offered in California?

My credit is about 690, I have about $5000 balance on my Cerdit cards, never been late on payments, always pay way more than the minimum, I’m single, student, with a part ime job. Wanna buy a used car from carmax…. oh and if you could advice on wheather should i get a car from carmax for like 10k or buy a crappy car for like 1000 just to get around with till i graduate ??


Why do I have to enter a credit card number to get a free credit report?

I went to annualcreditreport.com and each of the three main credit bureau links ended in a request for a card number. I don’t have any cards. I don’t have an established residence that matches any address my creditors would have. I have tried for 2weeks to get a copy of my credit report… I keep hearing how important it is to know your credit score and I can’t even buy one over the phone! any suggestions?

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Is a 637 an okay credit score?

How can I make it better. I only have 1 account. which is my car. I got pre-approved for a credit card, but then when I applied for it online, I was declined. I would really like to better my credit score. I need some advice.


What advantages come with having a 20% down payment for a home loan?

I am saving up for a home and have 10% but I think I might wait if the advantages are good enough.


What kind of Business structure does the company use?

The question is: What kind of business structure does the company use? Why does the company use this structure? What is the question asking? I am writing a paper on a interview with a Business Owner and this is one of the questions I will be asking. The Business owners only incentive is commission. They sale life insurance, mortgages, and loans. Please, someone help! :p


My credit score varies from 585-615 and I need a consolidation loan of $2500.00. Is that possible?

I have some negative accounts on my credit report and want to pay them off with a $2500.00 loan. I would rather pay one payment every month.


For anyone who has a Credit One Bank card… Have you signed up for the Credit Score tracking?

It says its free is it really?? Whats the catch Credit One Bank seems kind of shady so i assuming theres a catch somewhere, heres their terms of use: Important Information: Credit One Bank does not prepare your credit score, and has no responsibility for its accuracy or for the accuracy of any of the information upon which your credit score is based (except for items we may have reported). Your credit score is provided to us by Experian (a credit reporting agency). If you believe your credit report is incomplete or contains inaccurate information, you should contact Experian directly at 1-866-673-0141 or visit www.experian.com/disputes/ to correct the information. Credit Score Availability: Please allow up to 60 days for us to initially retrieve your credit score. Thereafter, your credit score will be available on a monthly basis. On occasion, system constraints may prevent your score from being updated in a timely manner. Use of Your Credit Score: Your credit score is provided to you solely to help you understand your credit standing. It may not be used for any other purpose, and may not be shared with any other party. Credit One Bank is providing this service as an added benefit to cardholders. This service is subject to change or cancellation without notice. Credit Score Authorization: At the time you submitted your application for credit, you provided Credit One Bank with your authorization for us to obtain and use your credit information to make credit decisions. By indicating your acceptance below and enrolling in this program, you are authorizing us to obtain and provide your credit score and information related to your credit score to you online each month. You may withdraw your authorization at any time upon written notice to us (see the general correspondence address located on the Contact Us page).


Where can i find a website where i can look up my CREDIT SCORE for FREE!?

i currently just wanting to know if i have a good ,fair,or bad score or not (and i tired of going to web site that say FREE but you still have to pay for it after a time limit or 2 week trial ..I JUST WANT TO KNOW! >< just curious????


I have a 520 credit score. Can I get an auto loan for $9,000 anywhere?

Please no preaching to me about my credit score. I had some hard times but I am on track now and am focusing on improving my credit score as much as possible.


Why are their so many questions for fast loans, or free credit report lately?

They ask in all of the sections. Don’t they know that you can’t get a free credit report online that it is all a scam. And the same for the fast loans, just another scam.


Can anyone tell me what a bankruptcy hearing is like?

I filed for bankruptcy today, and will have a hearing within 20 days. I appreciate any details from your personal experience.

BEST ANSWER: Try this site where you can find the best solutions for your finance situations :Personal Finance


I have bad credit is there somewhere i can get a loan ?

I have a job and would be able to pay the loan back.


I need some finacial advice – I have been living with my bf for 6mnths now – we live with his parents. he earn

$870 and I earn $500 after tax. Now his financial commitments are his $4000 loan (min repayment $40pw), $60 petrol & $50 board. My finances are $5000 loan (min repayments $40pw), $ 50 board, $50 petrol and $54 gym membership. We are both currently trying to save for spending money in Thailand which is in 10more pay days. Any advice on how we should budget our money so that we can save some up for Thailand plus just to save up in general?


What would be wrong with a 60 year mortgage?

I mean the mortgage company would get the money even if the person did not live for 60 years. They could resale at the market price and continue drawing interest. It seems like a more stable way to allow people to keep their homes.


Is insurance cheaper if you work as a mechanic?

I’m 17, about to buy a car and insurance but was curious to see if me working as a mechanic with alot of experience with car repair, spray painting and such would lower the cost


Best infantry division in the army?

what is the best infantry divsion in the army? do not add any sf or ranger to list i want a division or unit pls


If a parent goes back to school is she considered a graduate student?

I don’t know what my mom is considered as for an online loan application. Is she a graduate? Is she considered an undergrad? idk please tell me. She graduated high school and has a bachelor’s but has not been to school since forever. But she wants to pursue this license- it’s not a master’s nor a doctorate or anything like that. She needs a loan and we’re trying salliemae. Thanks! p.s. im not asking for loans… so NO SCAMMERS!


I’m wondering how much I have to make annually to get a 15,000 auto loan from the bank?

I’m currently a bartender and how much i make isn’t accurately shown on my pay stubs… Im looking to get a 15,000 auto loan from the bank, because im assuming they offer better interest rates than dealers. I have a 765 for an average credit score, and have 3000 in the bank. do you think that would be enough to get approved for a loan?




















































I went in best buy to get credit card with cosigner and he said i wasnt instantly approved?

I went in best buy to get credit card with cosigner and he said i wasnt instantly approved?

so is there a possibility i can still get approved threw mail

BEST ANSWER: Try this site where you can find the best solutions for your finance situations :Personal Finance


RELATED:

Where can I get my credit score online for 100% free?

Somewhere online THAT DOES NOT require me to enter a credit card? Or anywhere I can call that is automated?


I have very bad credit and need atleast a $15000 loan. ?

I currently own my own home but have horrible credit. I have been late on some payments and I have one credit card that is in collections. Is there any lender out there that will give me a loan??


Chapter 7 bankruptcy question?


Can you pay for a macys online order with a visa gift card then pay off remaining balance with a credit card?

i wanna buy boots and the total is 80$. i have a visa gift card for 75$ that i wanna use then use my credit card to pay off the remaining balance. can i do this?

BEST ANSWER: Try this site where you can find the best solutions for your finance situations :Personal Finance

How can a bank owning a 2nd mortgage foreclose on a home when the 2nd mortgage was dismissed in a bankruptcy?

Many years ago, my father and my stepmom declared bankruptcy. One of the things they had dismissed was the second mortgage on their home. The bankruptcy court approved their filing and in the paperwork I have seen Ditech, the owner of the second mortgage was notified of the dismissal. A couple of years later, a real estate company here in town received a phone call from GMAC bank, asking them to go to my dads house and make sure it was vacant and put new locks on the doors. What GMAC didnt know was that my dad did a lot of work for this company as a pirvate contractor and instead of doing what the bank asked them to do, they called my dad and told him what had happened and my dad called GMAC. GMAC told my dad that his account was delinquent and that they were going to foreclose on the house. My dad reluctantly started making the payments to GMAC after speaking with several lawyers who, when they were asked if GMAC could do this, in turn asked him why he didnt think he would have to pay this even though it was dismissed in a bankruptcy. A few years went by and all of the sudden, GMAC really started putting pressure on my dad about foreclosing on his home even though he was making the payments they wanted on time and in full every month. Eventually, my dad became ill with cancer and died a few months later, leaving my stepmom to take care of everything. GMAC eventually was able to convince Wells Fargo, the owner of the primary mortgage to foreclose on the house kicking” my stepmom and 10 year old sister out into the street. I know that Ditech is owned by GMAC who is the corporation that relentlessly harrassed my family until they were able to get what they wanted. How can this be legal? I know that some laws regarding real estate and mortgages change from state to state but for the most part they are all governed under federal law. Im just trying to figure out how this can be done. It just seems to me like a bunch of illegal maneuvering done by the bank so that they can foreclose on a property. Any information whatsoever on this would be very much appreciated.”


College student looking for a credit card?

ps. the main reason i want my own credit card is so i can take more steps towards being independent and build credit. being dependent on my parents money makes me feel like a brat. and right now i only use my parent’s credit card for textbooks. and whenever i use it i have to get approval from both of them. so i know a credit card is not free money


When behind on mortgage can I make partial payment?

I have missed paying October, November and have til the 15th when the December payment is due. If i just pay for December would that stop the lender from putting the house in foreclosure or do I have to pay all 3 months that are due by the 15th which I don’t have?


I went in best buy to get credit card with cosigner and he said i wasnt instantly approved?

so is there a possibility i can still get approved threw mail

BEST ANSWER: Try this site where you can find the best solutions for your finance situations :Personal Finance


Loan denied. Not sure of reasons.?

Went to speedy cash and was denied. The two reasons were insufficient data” and “evidence of delinquency on record”. Both said equifax next 2 it. I’m 19 and not really sure of my credit score. I was locked up 4a day 4 BS ticket n insurance. Not sure if this had anything 2 do with it. Plz n thank u.”


How soon after Chapter 7 bankruptcy can you buy a new house?

How soon after Chapter 7 bankruptcy can you buy a new house?


Can credit cards automatically convert currency?

I can’t say i have much of an idea how these card-ma-doodads work, but hear me out here. I’m wanting to buy something in EUR or GBP but my card contains USD, and i was wondering if the credit card or the site I’m buying from converts the currency automatically? This could be fixed with PayPal, but my rather stupid bank doesn’t allow to view the credit card statement online (to get that code thingamabob for PayPal), and i rather doubt it’ll lemme see it when I go up there, as credit cards are pretty wonky-like right now, since they’re pretty new and no one knows how to use ’em properly. In any case, please answer my question and it would be very helpful if you tried to have good spelling and grammar. Thanks!


Should I file bankruptcy?

I have a townhouse bought for $310,000 and I still owe $300,000 in 2 mortgages. The market value is approx. $200,000. I have lived here for almost 4 years now and my primary apr is 7.35%. I also owe $80,000 in credit cards and $ 24000 in loan. My credit score is 660. My income was around $3500 – 4500 pm as I am self employed. I almost pay $4000 in mortgages and minimum payment on credit cards etc. Please advice me the best option I have as I am almost 50 and have no savings.80% of the credit card companies has increased the APR to 25% to 29%. .I want to ask … 1. If I stop making all payments on credit card and mortgage from today, how long do I have to file BK. I have never missed any payment so far. 2. after how long normally the credit card co. file a law suit. and bank will foreclose my house. 3. Will the court renegotiate and bring my house to market value and will I be able to keep it. 4. I have $6000 each in 2 of my credit cards. Can I buy car as I need one. And after BK will they allow me to keep it. 5. As I am self employed my income has gone down ranging in $2500 – 3000 6. Should I stop making all payments NOW.


How long are you responsible for maintaining HOA on your home after a chapter 7 discharge?

I received a chapter 7 discharge which included my previous residence in another state. I continue to receive fines from the HOA on this property. I have not lived at this property for almost a year and the house is vacant. How long am i responsible for the upkeep on this property and responsible for paying the fines they continue to levy against me as I said I have already receved a discharge from the Bankruptcy Court. Thanks,


How will paying off my car loan affect my credit score?

I am a 31 yo male who declared bankruptcy about 5 years ago. I had good credit before and after, so my score hovers just below 700. I carry very little debt besides school ($40k) and car ($16k) loans. I have 2 1/2 years left on my car loan, but would like to get rid of the monthly bill. I am concerned that paying the loan off in full will further harm my credit, since it’s one less open and current account and I lose the 2 1/2 years of on time” payments. My company accepts “advance” payments


Why doesn’t my credit score come with my annual credit report?


Where do I find student credit cards?

I’m 20 yrs old, and looking for a credit card to start building credit with. I heard you can get student credit cards with lower rates. I’m a college student, already recieving FAFSA financial aid (about $3500 a semester), but i wanted to get a credit card to build credit. I have a good job, and have been paying for everything with my debit, or checking account.


I went in best buy to get credit card with cosigner and he said i wasnt instantly approved?

so is there a possibility i can still get approved threw mail

BEST ANSWER: Try this site where you can find the best solutions for your finance situations :Personal Finance


Legal advice please about an auto loan and a divorce?

I have a friend who is currently going thru a divorce. She is the main person on the loan, with her soon to be ex as a cosigner. The divorce papers have been filed, but the process is still ongoing. All the debts have been laid out. According to the divorce documents, he’s agreed to take responsibility for that auto loan since he’s the one who drives that car. Now, because of being unemployed and the soon to be ordered child support, he says he cannot make the payments and is going to default on the loan if she doesn’t take the car and make the payments. What legal options does she have? She cannot sell the car because it us worth less than is what is owed.


How to lower my credit card payments?

Little background (I’ll be brief)… 21 years old Full time student Lives at home Parents provide SOME support Total credit card debt over 6 cards: approx. $13,500 On the card with the largest balance ($4,500) I mistakingly missed a payment and my rate went to 29.99%. All other cards either have a high interest as well or are close to their limit. The question: Is there anything I can do to make my interest rates lower on the cards or lower my payments any way? I have a decent credit rating (around 615) and a somewhat good payment history. Perhaps, is there even a way for me to some how consoladate all my debt into one montly payment? I would love to get a loan from my bank for the amount, but would they even consider giving me one? Please help! Thanks! P.S. I don’t know if it helps at all but I also have an Auto Loan with a balance of $8,000 that has kept my credit rating afloat because of good payment history and I have a good rate on that loan. Thanks again!


How can I reduce me low debt fast before my credit score gets bad?!?!?

I don’t have a lot of debt, but it is enough that I just can’t pay each bill per month. I had to move 2 times in 6 months and now I am paying off the penalties from having to cancel the utilities early. I also have two medical bills that are really high and now I’m having to pay off those too. I am only a teacher’s aide so I don’t get paid well so it’s hard to pay off my bills and still have money to live on. Someone please help!


Why does japan have such high suicide rates?

I read an article recently about online cuicide clubs, and other ways people in Japan seem to bee killing themselves in large numbers, and i was wondering why japan has such a high suicide rate? they are one of the most advanced countries in the world but this is still true. any insight?


I filed Chapter 7 bankruptcy last year. Do I need to reflect this on my tax return? What steps should I take?


How much should we offer on a house that costs 225k?

the house we like is a forclosure and costs 225k, but our realtor friend said he wouldn’t pay more than 210k for it because of the neighborhood. what’s the lowest we should offer?


Im bored and im broke but i have a car with gas. what should i do?

im 19


How can you get your credit report without joining a club ?

How can you get your credit report without joining a club ?

BEST ANSWER: Try this site where you can find the best solutions for your finance situations :Personal Finance


I am behind two payments on my car, can they repo it if i promise to make a payment?


Auto Financing?

I am currently looking to buy a vehicle and am interested in financing through capital one auto loans. Does anyone know what factors they look into and whether or not it hard to get approved by them. And I currently have a credit card through them which I have paid all payments on time and paid more than the required minimum.


Bad credit loan , How to personal loan with Bad credit ?

Iam in debt and want to pay it off. I am debating on filing for bankruptcy or possibly getting a loan for bad credit so i can pay off my credit. Are there any finanical institution that is legitamite and isn’t a scam that can possibly loan me a loan ?


Free Credit Card Consolidation?

any help regarding this?



BEST ANSWER: Try this site where you can find the best solutions for your finance situations :Personal Finance

Where do I get my annual free credit report?

It is my understanding that each person is entitled one (1), free, annual credit report. I was curious as to the process of receiving this report and from what agency you go through.


I went in best buy to get credit card with cosigner and he said i wasnt instantly approved?

so is there a possibility i can still get approved threw mail


If you filed chapter 13 bankruptcy do you have to turn over all of your income taxes refunds to the trustee?


My auto loan was purchased by another loan company without my knowledge. Is this legal?

New company says on their website they dont do refinancing-no rate negotiations. I don’t even know what my interest rate is now, and can’t get someone on the phone to tell me. Seems this company bought my loan back in January, but I had no idea until today. I printed a statement of past payments, and the amounts paid to principle & interest seem to be floating..

BEST ANSWER: Try this site where you can find the best solutions for your finance situations :Personal Finance


Is there anything i can do to fix my debt?

Im in debt but i don’t want to file for bankruptcy because i feel like i don’t owe too much…what else can i do to help my credit and pay all my debt? i know there is debt Relief places but i don’t know if there trust able…does any body have any recommendations or advice? I don’t have enough money to pay them off and im Living paycheck after paycheck!!


What APR should I expect on my auto loan?

I live in WI, my credit score is 726 and I applied for an 18k auto loan for a new car through a credit union. What kind of interest rate can I expect?


I can’t pay a payday loan back?

I have a loan out for $300 for speedy cash. & I recently lost my job & I’m stressed about paying my loan back. I don’t want to be in debt & I was wondering What happens if I go to speedy cash & talk to them telling them I lost my job & I’m currently looking for a new job that I can’t pay them until I get a new job? What happen? Will they work with me?


Whats a HUD? How do I get quik help form the GOV for down payment on a condo?

the apartment where I rent is turning Condo, if I dont by I need to move and quik. I have 30 days to try to buy this place at a discounted rate. I need help Iam in IL in this is cook county on the north burbs. I dont want to pay more than 1200 a month this is including the tax and assos. fee. and I want it fixeble becuase I plan to fix and resale it. please help how do i get a down payment with help from the gov? and yes 1 time buyer 26 y/o stday job for 7 years


What happens after my escrow balance is paid off?

Hi guys, Im 27 and bought my very 1st home last month and i was looking at my Mortgage info online and i have a question for you guys. So i know that in the payment, some goes to the principal balance of the loan and there is a small amount that goes to the escrow. So here goes my question; after my escrow balance is paid off in full, will my monthly payment go down? i have an escrow balance of like a thousand and some change and 300$ goes to this so im just wondering that if after that balance is paid in full, if my payment will go down a bit?? thanks for all your answers and sorry im not the best knowledgeable person out there. Its my first home so i dont know the ropes yet πŸ™


Is it safe to give out a credit card number on internet?

The site was blocked. So i put the https” myself and it opened. Does that still count? (it was originally http.)”


Will my auto loan be approved?

I put $2500 on a $15K loan and I have no credit. I have a steady income and good job history, the dealer told me I look very good on paper. Do you think my loan will get approved, I’m very anxious.


Is it possible to get a $5,000 cash refund from student loans?

Hello everyone! I’m going for the vocational nursing program in the state of California and the tuition for the entire program would be around $20,000. Aside from financial aid and federal student loans, I want to apply with a private student loan for an amount for $10,000 or $15,000. (We are looking into Sallie Mae) I currently live with my dad whos in his 80s and I’m 27 yrs old. I currently take care off him since he is by himself and has prostate cancer stage 3. My dad has great credit and is very successful for his age. He says, he has no problem signing a private student loan with me between $10,000-15,000 and the rest would come from FAFSA and Federal Direct Loans. My dad also wants me to get information if where I can get at least $5,000 or even $10,000 in college cash refund, so that I don’t have to work full or part time jobs. I can use that money to help me with my day-to-day expenses for the entire year and a half program for the LVN or licensed vocational nursing. My dad says it’s fine to get that much debt now, because once he dies he has 2 houses and some cash all ready to be given to me on his will. So my question is: Is there a way where I can get $5,000-10,000 in cash refund now from student loans and just pay them later on in my life? Or no chance? Pls don’t tell me to go for the RN degree, I always hear that from lot’s of people. I could care less about the RN degree. You do know their 4 years and not 2 years right? 2 years pre-requisuite classes & 2 more years for general nursing classes. And not to mention that the community colleges here are tough to get into esp within my area cause of the lottery” thing. Anyway


How do I delete a credit card on PayPal?

Thanks randyhuman. I’ll choose you as best answer when it lets me.

BEST ANSWER: Try this site where you can find the best solutions for your finance situations :Personal Finance


Am I getting a good auto loan rate?

I’m taking out an auto loan for $32,000. My credit union has offered me 5.5% for 72 months. Is that a good rate? I have looked at several other places and they all want a minimum of 6.9%. My rate seems too good to be true. Is it? By the way, I have excellent credit (FICO over 800 with NO debt). Thanks!


I went in best buy to get credit card with cosigner and he said i wasnt instantly approved?

so is there a possibility i can still get approved threw mail


Which cash advance loan did you use?

i need money now but when i go online to http://loan.deal4-you.com/ they ask me for my bank account information i dont know if its secure or not and then they asked for my job phone number and name and all that are they really gonna all them.i need a loan fast now in a hurry i really dont want to give out my job information i live at home so i an easily pay the money bak i have no other bills.but my phone


Can you file for bankruptcy if your vehicle has been charged off?


PLEASE HELP!!! what is the difference between a personal reference and a credit reference??

when someone wants to check up on you for, loans, or renting, and such..


Should I get a payday loan for my current dilemma?

My transmission broke down on my RV. Currently that’s where I live and it’s what I use to get to work. The work is done but I’m short paying it off until at least one more paycheck comes in. And they won’t give it back until I pay it in full. Should I get a payday loan?


Auto loan question?

I financed a car about 3 weeks ago, one week ago I received a letter in the mail advising me that there may be a problem with financing the car but the dealership would let me know if there was an issue. 30 min ago the person in the dealerships financing dept called and told me everything was ok, the loan went through but I need to go down to the dealership and sign a new contract. Why? Is it going to affect the amount of my monthly payments? Is anything going to change? I would ask him myself but he is gone for the day. Please help!




















































After a free consult w/ a bankruptcy attorney he quoted fee of $3k of which 50% had to be paid to file by 2/28?

After a free consult w/ a bankruptcy attorney he quoted fee of $3k of which 50% had to be paid to file by 2/28?

I paid $1040 2-4-11 of $1750 needed before 2-28. Then on 2-23-11 decided not to file bankruptcy & requested a refund. I received an itemization 3.5 hrs & refund of $165. I was billed at $250/ hr including charges for the free consult. I disputed the refund indicating I didn’t sign a contract agreeing to the hourly rate.i offered 1.5 hrs based on his itemization for hours after the free consultation. I did not provide the documents he requested from me to file the case only the down payment. The attorney admitted as stated on the consult estimate that a separate contract should have been provided to sign upon retaining his services & refunded $500. A contract beyond the initial consult was never provided or signed. Am I entitled to the full amount or at least the amount paid minus 1.5 hrs ? I reposted to clarify the details I am not trying to get away with free legal services but I did not provide the required documents to have any real work done yet I still offered to pay for the 1.5 hrs of service he said he provided.

BEST ANSWER: Try this site where you can find the best solutions for your finance situations :Personal Finance


RELATED:

Can the collection agency that holds my defaulted school loan keep my tax offset?

to Jacky – IF you read everything I wrote, my loan was DEFERRED! I did make payments, however, times were tough in my family and I had to defer it. The loan is not hugely large and I followed what the department of education told me to do. There has been a mix up. I do have a full time job so quit judging me. I asked this for help, not a lecture from you.


Should I make a lower offer since I am willing to pay cash?

I am planning to buy a house in the next couple months. I am thinking about just paying cash for it, but was wondering I should make a lower offer because of that. I figure then the seller (a bank) would not have to worry about whether or not my financing will go through. Plus I am planning on putting at least 40% down reguardless. What are the negatives of this plan? All that I have thought of is that I will lose out in the tax deduction of any mortgage interest and I will not be eligible for as big of a tax credit next year. The house is listed at $74, 500. Last sold in 2007 for twice that, but has been on the market unsold since last March and it in minor need or repairs (several broken windows).


10 pt, correct/check my accounting journal entry?

May – general journal 1 Invested $18000 cash and office equipment worth $8500 in the business 1 Paid office rent of $950 cash for the month 2 Hired a secretary receptionist at a salary of 2400 per month 3 Purchased $1450 of supplies on account from read supply company 11 Completed a tax assignment for j. lau and billed him $1750 for services rendered 12 Received a $3500 advance on a management consulting engagement with arch co. 17 Completed accounting services and collected $1350 cash from the client 21 J lau paid $ 900 for work completed on may 11 23 Paid 60% of the balance due to read supply company 31 Received a $ 215 telephone bill for May, to be paid next month 31 Paid the secretary receptionist $ 2400 salary for the month 31 Withdrew $925 cash for her personal use Debit/credit May1 Cash – capital – invested cash in business =18000/18000 may1 Office equipment – cash – purchased equipment for cash = 8500/ 8500 may1 Rent expenses – cash – invested in office business = 950/ 950 may2 Salary – note payable – hired employee = 2400/ 2400 may3 Cash – account payable – received from read supplies company= 1450/ 1450 may11 Account receivable – fees earned – performed service for j lau =1725/1725 may12 Cash – account receivable – received on consultation =3500/ 3500 may17 Cash – account receivable – collected from client =1350/ 1350 may21 Cash – fees earned – performed services on account for j lau earning= 900/ 900 may23 ?????? may31 Account payable – note payable – telephone expense=215/ 215 may31 Salary expense – cash – receptionist salary=2400/ 2400 May31 Drawing – cash – withdrew for personal use= 925/ 925


Personal loan with No credit?

Does anyone know where i can get a big loan with no credit? not pay day loan Even if its high risk or anything? And does anyone know bout http://www.starloanservices.com/index.htm star loans services is legit?

BEST ANSWER: Try this site where you can find the best solutions for your finance situations :Personal Finance

Can i get a credit card with a 525 credit score where to start?


Question About payday loans……….PLEASE HELP……………..?

I made the mistake of getting a payday loan thinking i could re-pay it……well i lost 3 weeks of work being ill…now i don’t have the money to repay it……..if it goes through my account will bounce……what will happen if i close my account???? I don t want to but have gotten myself in too deep……oh and the loan is 250.00 Please only serious answers…i am really scared.


Is 16.99% a reasonable APR for a credit card?

Here’s the info for a card I’m thinking of signing up for: Annual Percentage Rate (APR) for Purchases : 0% until the last day of the billing period ending during April 2008*; then the standard APR 16.99% Other APRs Default Rate: Up to 28.99%* Cash Advances: 22.99%


After a free consult w/ a bankruptcy attorney he quoted fee of $3k of which 50% had to be paid to file by 2/28?

I paid $1040 2-4-11 of $1750 needed before 2-28. Then on 2-23-11 decided not to file bankruptcy & requested a refund. I received an itemization 3.5 hrs & refund of $165. I was billed at $250/ hr including charges for the free consult. I disputed the refund indicating I didn’t sign a contract agreeing to the hourly rate.i offered 1.5 hrs based on his itemization for hours after the free consultation. I did not provide the documents he requested from me to file the case only the down payment. The attorney admitted as stated on the consult estimate that a separate contract should have been provided to sign upon retaining his services & refunded $500. A contract beyond the initial consult was never provided or signed. Am I entitled to the full amount or at least the amount paid minus 1.5 hrs ? I reposted to clarify the details I am not trying to get away with free legal services but I did not provide the required documents to have any real work done yet I still offered to pay for the 1.5 hrs of service he said he provided.

BEST ANSWER: Try this site where you can find the best solutions for your finance situations :Personal Finance


How long does it take to build up my credit enough so I can apply for a auto loan?

I want to buy a new vehicle for about $19,000. I have no one to co-sign for me. I got my first secured credit card about two months ago and have been paying on it consistently. I want to know how long I should wait to apply for an auto loan. I don’t want to apply for one to early because there’s a chance I’ll get denied and It’ll have a hit on my credit. For the loan I’m going through a Credit union so I don’t know if that helps any. Also I don’t want an insane interest rate. I would prefer that to be around 5% so does that mean I should wait longer? Thanks πŸ™‚


Where do you find a loan shark in nashville tn?

i am looking for a loan shark in or around nashville tn. i am in need of some money fast. (12k) i am not looking for payday loans or people from overseas


How will bankruptcy filed after divorce affect the division of 401k?

My husband is planning on filing for bankruptcy after divorce. How will this affect the outcome of division of 401k. Also does anyone know how to find hidden assests without money. He has hidden bank accounts and stocks and I have no idea how to find them. I’m in Texas


Can i take out a hardship 401k loan to fix my car?

Thanks in advance for your answers


Credit Acceptances Auto Lender?

How do I apply for a auto loan with them? Do they have a website?


What is the best match for a female Libra?


Cash withdrawal using credit card?

Is it better to withdrawal cash (from a credit card) from the bank? Or ATM? or what?


Im 18 yrs old with good credit and need auto loan!?

I have a credit score of a lil over 700 and I need an auto loan. Would I qualify for it? Im looking for a somewhat newer vehicle with a hefty price tag of $28,000 with a few thousand down. My income is 1400 a month with no other expenses.


After a free consult w/ a bankruptcy attorney he quoted fee of $3k of which 50% had to be paid to file by 2/28?

I paid $1040 2-4-11 of $1750 needed before 2-28. Then on 2-23-11 decided not to file bankruptcy & requested a refund. I received an itemization 3.5 hrs & refund of $165. I was billed at $250/ hr including charges for the free consult. I disputed the refund indicating I didn’t sign a contract agreeing to the hourly rate.i offered 1.5 hrs based on his itemization for hours after the free consultation. I did not provide the documents he requested from me to file the case only the down payment. The attorney admitted as stated on the consult estimate that a separate contract should have been provided to sign upon retaining his services & refunded $500. A contract beyond the initial consult was never provided or signed. Am I entitled to the full amount or at least the amount paid minus 1.5 hrs ? I reposted to clarify the details I am not trying to get away with free legal services but I did not provide the required documents to have any real work done yet I still offered to pay for the 1.5 hrs of service he said he provided.

BEST ANSWER: Try this site where you can find the best solutions for your finance situations :Personal Finance


Fixed rate mortgage? interest rates?

Abbey purchased a house using a fixed rate mortgage. The annual interest rate is 4.2% compounded monthly for 20 years. The mortgage amount is $235,000. What is the monthly payment on the mortgage?


I have a question about an auto loan for an 18 year old.?

Ok, so here’s my question. I’m 18 years old and I need a car, and I also want to build my credit profile for later in life. I found a car that I like, it’s $4500. I want to do the smart thing and take a small loan out for the car, and build my profile. I don’t want to buy out-right because I obtain no credit doing so. So, I have a job, I can easily pay about $150-$200 a month no problem. I’m also transferring jobs soon to a higher paying and more hour intensive job. Which means more money, which means even more stability than I already have. I have USAA from my dad, and I want to take a loan out through them. Because, it’s a relatively low interest rate and I can pay it back early if I get more money and I won’t be penalized for it. For whatever reason, my dad refuses to co-sign for a loan fora sports car. It’s a V6 mustang, 01 5-speed. It’s not insanely fast and the insurance for USAA is $144/month. Pretty cheap for an 18 year old. I figure if I take a loan out on something, I better damn well be able to enjoy utilizing it, and get what I want. Not what someone else thinks is a better option. Let me know, need an answer relatively quickly. Thanks all.


If I voluntarily REPO my car – can I still buy a home in 2 years?

The payment is just too high and due to some financial problems last year my credit rating is not high enough for a Refi. I have the money to just get a smaller car at a buy here pay here place.


My friend said she cashed my check three days ago, but it hasnt been taken out of my account.?

I wrote my friend a check almost three weeks ago and she hadnt gotten around to cashing it until three days ago. She said that she cashed it, but its been three days and the money hasnt been taken out of my account, and my bank is usually really good in keeping up with transactions. Ive been holding on to this money for a long time already so that she can have her money when she cashed it, but if she has her money now, and its not showing up in my account, does that mean everything is ok? What should I do?


Who is the best Chapter 7 bankruptcy lawyer in northwest arkansas?


Do i need to have a job to apply for a student auto loan?

I’m a freshman in college and I really need to get my own car. Paying for it is the big problem. My mom(single parent) seems to be all for it if I can find a loan with a low monthly payment. I’ve seen articles about student auto loans online but haven’t been able to get that much info on the specifics. Can someone help me out with those also? Any other suggestions for paying for the car would be appreciated.


Can I make a bank deposit with a credit card?

If so, how?


Financing a car without a license?

My experience therefore has been that you DO NOT, at least in Ohio, need a driver’s license to finance or own a car. Even when I go to register it my state ID will be sufficient. For insurance purposes if you are the car owner but will not be driving, have someone in mind with a license who can be placed on your policy. Think of elderly or disabled people who own cars but cannot drive..they can insure their cars naming a family member for example as the driver. And the car can remain in their name in regards to title and registration. I’m sure laws vary from state to state but there has to be allowances made for these types of situations. Just keep researching, ignore the obviously underthought-out advice, and find the answers you need. The internet is full of conflicting advice that just about did my head in , but it turned out to be easier than I expected or some of the naysayers would make it out to be.

BEST ANSWER: Try this site where you can find the best solutions for your finance situations :Personal Finance


How can i save from bankruptcy?


I live in augusta ga can i get an online payday loan that actually works?


What is the best credit card for frequent flyer miles?

i would like to get a credit card that offers frequent flyer miles as a reward for purchases. does anyone know which credit card company or airline offers the most miles per dollar spent but also has a low interest rate, preferribly no black out dates, easiest use of miles, and no yearly fees or usage fees or anything like that?


Where can you get a free credit report?

where can you get an actual free credit report? i tried equifax because it’s one of the three main ones, but after i did all the stuff it said $7.95…. does anyone know a good place to go? i did equifax and it said 7.95



BEST ANSWER: Try this site where you can find the best solutions for your finance situations :Personal Finance

What does current interest mean when dealing with a payday loan?

My wife got involved with some payday loan company. They are taking $79 every 2wks for a $200 loan. Now $200 is the original principal, $200 is the current principal, $158 is the current interest.What is that. And if possible can she get them out of her account. Not trying to get over just trying to get by. Please And Thankyou…..


After a free consult w/ a bankruptcy attorney he quoted fee of $3k of which 50% had to be paid to file by 2/28?

I paid $1040 2-4-11 of $1750 needed before 2-28. Then on 2-23-11 decided not to file bankruptcy & requested a refund. I received an itemization 3.5 hrs & refund of $165. I was billed at $250/ hr including charges for the free consult. I disputed the refund indicating I didn’t sign a contract agreeing to the hourly rate.i offered 1.5 hrs based on his itemization for hours after the free consultation. I did not provide the documents he requested from me to file the case only the down payment. The attorney admitted as stated on the consult estimate that a separate contract should have been provided to sign upon retaining his services & refunded $500. A contract beyond the initial consult was never provided or signed. Am I entitled to the full amount or at least the amount paid minus 1.5 hrs ? I reposted to clarify the details I am not trying to get away with free legal services but I did not provide the required documents to have any real work done yet I still offered to pay for the 1.5 hrs of service he said he provided.


Why am I consistently so slow, stupid and dippy? Dippy is my preferred adjective, but mostly I seem to come across as downright idiotic!?

I am concerned with my stupidity and slowness, which seems to hinder me consistently. I’m 24, female, have worked in a variety of different work settings since age 14, (food and drink, hospitality,mental and physical support and care community worker, promotions), and graduated from Sheffield University with a 2.1 degree in Politics and Philosophy. Since leaving uni, I have managed to get fired from 3 jobs (bar work for being ‘crap’ at quick sales and support work for questioning and arguing back with managers). I have just come having finished a shift at a traditional pub in a suburb, and am doubting myself big time. My boss (landlord) says he ‘can’t understand what the **** is wrong with me, it’s as simple as anything (the till), how the **** is it so hard, a 6 year old could do a better job than you’… Tonight’s mistake; managing to ring in a GRAND rather than a tenner when taking payment from a customer; what i’d personally call human error, but NOT what my boss called it! I cannot afford to be seen as unemployable. There must be SOMETHING wrong with me; iv’e been fired from so many jobs since leaving uni, I am constantly clumsy, and seem to have a great deal of ‘missing matter’ in terms of recalling knowledge, e.g. Historical ignorance, areas of the laws of physics and other science related ‘no-brainers’, but mainly the ‘common sense’ factor which seems to have escape my my whole life. I know it’s an unanswerable question really, but what might I be doing wrong?


Credit cards that start with a limit at 2500$ or more (the higher the better) Thank you in advance?

Im 20 years old, Credit score is 722 and I only make 20k a year. I’m just looking for a card with a high limit just to have and in case I get in a jam. PLEASE do NOT post recommendations on what I SHOULD DO, I DONT CARE I just want a card with a high limit πŸ™‚ and please don’t post saying it isn’t goin to happen you just make yourself look idiotic, I have the amex blue cash everyday ($5000 limit) and a discover it card ($2500 limit) I’ve been lookin this up for a while and all I can ever find is people preaching about what you should or shouldn’t do and never actually answer the question. Please I’m just looking for someone to say I got this card _____ with a limit of _____” thank you for the straight foreword answer.”

BEST ANSWER: Try this site where you can find the best solutions for your finance situations :Personal Finance


Auto loan question?

I have a auto load for a term of 60 months @ $500 a month. If i get ahead on the payments will it drop the monthly price down or will it just drop the term down and i will continue with the regular payments???


Does anyone know how much it is…?

does anyone know how much is to file for bankruptcy? i am in the state of California. How long does it take and how do u go on about the process.. what should i do and what shouldnt i do…any hints?


After filing chapter 7 bankruptcy here in California I decided to check out my credit reports and score?

and to my dismay my house was listed as discharge under the bankruptcy. My house however was not included in the bankruptcy. Foul play? Illegal; listing of the credit reporting agencies? I’m at a total loss. So now I have been making my payment on time now since the discharge for the past 5 months and not getting any credit for it. We were never late in the past. My wife and I both became ill close enough together to where it wiped us out financially and we had no other choice but to file chapter 7 or pay everybody and live disabled in our car.


Are my chances of getting an auto loan through the same bank better?

I currently have an auto loan through a bank. I pay my payments in full and on time every month. I am a 20 year old college student graduating in 3 months and I work full time. My credit is fair but in the past i needed a co signer. Being that I have a payment history with a bank, Would it be easier to get approved for a new auto loan through the same bank?


I need to file for bankruptcy and I know I have to go to some classess now my question is?

where and how and would I need some kind of representative to go with me I live in Los Angeles California.


What type of financial institution has the best rates?

I am in the process of refinancing a couple of real properties. I am interested in either two individual loans at better rates than I have now or a loan to consolidate all of my debt into one package. I have a high amount of equity comparatively speaking with the amount that I need to borrow. My credit is spotless. Does anyone know of the best way to go about getting the best deal and through whom? Thank you so much in advance for any help that you might offer.


I have recently taken out a loan, I need some advice?

About 6 months ago I took out a personal loan 20k to pay some doctor bills and other things, I am unable to pay my loan now. If I tried to file bankruptcy would I be able to claim this loan and get it wiped or will I still have to pay it.


I got approved for a Capital One Auto loan, can i use it later?

I only wanted to know If I could get approved by them. I have no plans on actually buying a car until winter time.. I was approved for up to 24k for a used car(i’ll only need about 18k) The APR is absurd 8.1%, but Im guessing that calculation is if I get the 24k loan, hopefully it will be a little lower as I dont need 24k.. So they want me to fax certain documents, Im gonna ignore them.. Will that hurt my chances when I reapply 6-7 months from now? Until then I will be building my credit more and saving more to put down a better down payment.. Thoughts?


Can i use a walmart store credit card to buy gas from sams club?

the walmart credit card i am referring to has no visa or mastercardd logo and can only be used at walmart for purchases and since sams club is basically walmart i should be able to buy gas correct please dont post an answer that say go try and see because i dont have the card yet its in the mail thank you

BEST ANSWER: Try this site where you can find the best solutions for your finance situations :Personal Finance


Does bankruptcy require you to show that you are looking for a job?

An acquaintance of mine who has had several professional, high-paying jobs, has decided to file for bankruptcy. He resigned from his job about 9 months ago (he was asked to leave for cause and chose to resign instead). Since then, he has done very little to get a new job. He says he has sent out a few resumes and done some networking as well as had a conversation with a headhunter. He thinks most jobs out there are beneath him and that he wants something of his level of education and experience, even though he’s basically been fired from his last few jobs. He has been living well by borrowing from his parents and living off his credit cards and now it has caught up with him. He spends most of his time at the gym. He isn’t paying child support or anything else to his exwife. He just retained a lawyer to help him file for bankruptcy. He says the lawyer assured him it would be no problem. I’m amazed. Can you really do that? Don’t you have to show that you have been trying to get a job or have been trying to live within your means? I’m not sure if he really can get another high-paying professional job with his history, but it wouldn’t kill him to do something less glamorous. Is he going to be rewarded for his living irresponsibly all this time?


After a free consult w/ a bankruptcy attorney he quoted fee of $3k of which 50% had to be paid to file by 2/28?

I paid $1040 2-4-11 of $1750 needed before 2-28. Then on 2-23-11 decided not to file bankruptcy & requested a refund. I received an itemization 3.5 hrs & refund of $165. I was billed at $250/ hr including charges for the free consult. I disputed the refund indicating I didn’t sign a contract agreeing to the hourly rate.i offered 1.5 hrs based on his itemization for hours after the free consultation. I did not provide the documents he requested from me to file the case only the down payment. The attorney admitted as stated on the consult estimate that a separate contract should have been provided to sign upon retaining his services & refunded $500. A contract beyond the initial consult was never provided or signed. Am I entitled to the full amount or at least the amount paid minus 1.5 hrs ? I reposted to clarify the details I am not trying to get away with free legal services but I did not provide the required documents to have any real work done yet I still offered to pay for the 1.5 hrs of service he said he provided.


What happens if i cant pay my minimum payment on 2 credit cards?

im over the limit on one credit card and cant pay the $50 minimum payment this month on it, and on another card i owe $70 after already paying the minimum payment which they didnt recieve on time even though it showed that it did so they screwd me on that one. does anyone know what will happen if i dont pay them until next month? if its just a late fee how much you think it would be around?


Who sings free credit report.com?

there are three guys whois the lead singer


Where can I check my credit and score all at the same time?

Where can I check my credit and score all at the same time? are there any official credit score and credit check place that I can go to for free? or legit where I won’t get all this spam, scam and charges later?…. Thanks!


First time credit card application and got denied please helped?

okay im 40 years old us citizen and i applied for a credit card for the first time ever and they denied me even though ive paid 100 percent of the monthly bills for my mortgages and when i used wells fargo to pay for my car i paid monthly bills for two months and then paid fully for the car and now and they denied me reading from the letter saying i have bad credit and that i have no history of credit so can you please explain me how did i get bad credit when i never used or had a credit card and there saying i have no evidence of ever using credit and shouldn’t i automatically get a credit card due to i never used one and i have evidence of credit due to my mortgage which i never had a late fee and paid fully each bill and only reason i applied for credit card is due to i need to rent a car and hotels are cheaper if using credit card and im getting scared now using my debit card due to it goes directly to my bank


Are there any legit refund anticipation loans online in 2016?




















































If a person doesnt lie on his bankruptcy petition can he still go to jail for bankruptcy fraud?

If a person doesnt lie on his bankruptcy petition can he still go to jail for bankruptcy fraud?

BEST ANSWER: Try this site where you can find the best solutions for your finance situations :Personal Finance


RELATED:

How long after filling chapter 7 bankruptcy can you sell your house?


Where to get a 15000 loan or line of credit for bad credit.?

i want to get 15000 to payoff some credit cards because the minimum payments is killing me and the debt is not coming down. does anyone know where i can get instant approval for this kind of loan or line? i need it for bad credit because my DTI is kind of high right now.


Can anybody tell me where i can really get a loan with not very good credit ?

I have look up the ones that everybody has answer before but none of them have work for me they either ask for a collateral. I dont want that kind of loan.


Easy Mortgage Question?

Which of the following is NOT true about Mortgages: – Mortgages always have a fixed nominal interest rate – Mortgages are examples of amortized loans – The principal payment in an amortized loan is the residual balance – The ending balance in an amortized loan contract will be zero

BEST ANSWER: Try this site where you can find the best solutions for your finance situations :Personal Finance

Apa yang dimaksud Payday loans?

Ada yang bisa menjelaskan tentang payday loans, dan arti payday loans dalam artian bahasa Indonesia?


Where i can check my credit report for free.?

i wanna check my credit.. i went to free credit report.com but u have to pay,.,,, is there any other website that can tell u how ur credit is?… or a place i can go to.. i live in south jersey. I dont want a website where u have to put in a credit card number. thanks.


Buying chips at casino with credit card?

To my knowledge, chips can be purchased with a credit card and matching ID at casino cashier and it’s probably processed as cash advance. Is the maximum amount the player can purchase upto the credit card limit or cash advance limit? Ive read that a greater amount of cash can be advanced if its not done at ATM. Are there different cash advance limits with pulling it from ATM or casino/bank?


If a person doesnt lie on his bankruptcy petition can he still go to jail for bankruptcy fraud?

BEST ANSWER: Try this site where you can find the best solutions for your finance situations :Personal Finance


Can online loan funds be traced to the bank account they were transfered to?

I had my idenity stolen. If the theif had the funds transfered into his or her bank account can it be traced.


Is it best to pay my credit card completly off or just pay what the statement says is due?

I just got my credit cards first billing statement. I have charged around $1,000 to this card. My first statement says i owe around only $600.00 and the rest goes towards the next billing cycle. What i am wondering is, is it best to pay the full $1,000 or just pay the $600? I’m wondering what the best way to build credit is? I prefer to pay the full $1,000 because it’s easier to keep up with, but if I’m building credit better by paying $600 I guess i’d better go that route. I just don’t get this building credit stuff,lol! Any help would be appreciated! Thank you!


Can tax tags title and doc fee be added to financing for auto loan?


Fast loans?


I am trying to find a Private Student loan that may not need a cosigner and credit check to get approved?

I am having a lot of trouble getting a private loan this year. My co-signer last year has had a problem her husband filed for bankruptcy for himself and it shows on her when applying for loans and won’t give her, so can’t get her to co-sign. Anyone in my mom’s side never went to college and also has bad credit. Father’s side won’t help me and never will. Mom and step father has bad credit. None of my adult friends want to do it because afraid of the responsibility. I just need to know it there is a site or loaning agency that doesn’t need a credit check or co-signer.


What website offers a free credit report?

what is the name of the website that offers a free credit report and does not require you to put in a credit card info like freecreditreport.com please help me thank you!


Odds of guessing someones credit card number?


Fixed Rate Home Equity Loans online?

Wheres a good place to get fixed interest rate home loans online?


If a person doesnt lie on his bankruptcy petition can he still go to jail for bankruptcy fraud?

BEST ANSWER: Try this site where you can find the best solutions for your finance situations :Personal Finance


Is it possible to file chapter 7 after filing chapter 13 in Alabama?

I filed Chapter 13 bankruptcy in the fall of 2008. I have made consistent payments each month. Without ever missing or being behind on my payments since that time. I have since divorced and am no longer going to school. I am a one income household and have $12,000.00 in school loans that have went into collections because I cannot afford to pay them along with my chapter 13 payment. Does anyone have any advice on filing a discharge or where I could find the guidelines for Alabama. The lady in the lawyers office where I filed (not the lawyer) said that I could file for chapter 7 at a later date. Does anyone know if that is true? I cannot get anyone at the lawyers office to return my calls, and the woman that I worked with while filing no longer works there? Any advice or suggestions are greatly appreciated!


Credit card payment programs?

about 1 year ago i was struggling with my credit card payments. i entered into a special payment program on my cards ( they have not been charged off ). since then i have made my monthly fixed payments on time. i want to know how this will affect my credit. in the past year has it improved? does this payment plan hurt me? what should i expect?


Can I go to jail if I had a title loan in default and they can’t find my car to repo it?

I live in South Carolina and had a title loan out on one of my cars. There wasn’t much left on it but I missed a couple payments and they put a repo out on it. Apparently the repo has been out on this car for quite a while. However, I have a truck and have left the car sitting their in plain site for them to come and get. But they haven’t and I was informed Sunday by my parents that a repo guy just showed up at their house looking for me and said that they were going to put a warrant out for my arrest if I did not turn the car over by the end of the week. But I haven’t heard from them and they haven’t come by my apartment. Yet, they are showing up at my parents house (and my brothers – I just found out) saying that if the money wasn’t paid or the car turned over they would arrest me. But I’m not hiding the car from them, they apparently just aren’t looking hard enough because it is sitting there in the parking lot at my apartment complex – next to my truck. And I have no problem turning the car over, they will get more on it than what I even owe. But I asked a friend in a similar situation who said that the repo guys get paid only when they get the car so they say stuff like that to get people to give up the vehicle – I’m just curious to see if there is any validity to what this repo guy is saying. And if so, why is he harassing my family (who were not mentioned on the loan application, etc.) and not coming to me? Ive never heard of someone going to jail for a repo


Best place to check my credit score?

Toni I didn’t mean to give you a thumbs down πŸ™ Thumbs up for your answer thumbs up!


Will paying of a deficiency balance improve my credit?

I am 19 years old, I bought a car when I had a good job going for me. I ended up losing my job, my phone, my apartment and have to move back home in another state with very low job opportunity. I ended up losing my car as well. They now have told me I owe a balance of $2,600. He said I can pay it off in 24 months and once my account is closed they’ll report it to the credit people. Will this improve my credit? Also, he said if I dont make my first payment they will turn it over to collections. My mom is my only parent and has no knowledge on this so Im asking here. Will my credit be improved, and what happens when it turns over to collections? Thank you.


I need to talk to someone about my credit report?

i cant get a live person anywhere…when ordering online they wont let it be sent to my current address. So I get them to sed it to my parent address and they throw it away before I get it. I thiink they both used my information and have stuff in my name and thats why they get rid of it before i see it. I received all other mail except that. My dad has the same name as me. when proving my identity they say according to their records I have both a mortgage loan and an auto loan and I have to choose the lender but i do not know it because I do not have any loans…what shouls I do? do anyone have the number to a live person?


When a lender tells you that you need a voided personal check to get a payday loan how do you get it?


What is the average amount a credit union will loan a member who has no credit for an auto loan?

Okay, so most all the answers mentioned it depended on the steadiness of the job I have, which I knew prior but failed to mention. I’m on a 4 year contract with the Marine Corps, and only 1 year into it. As for the down payment, I’m looking at a car around $33k, I’ll be putting down around $22k. Surely that is enough to show the credit union (that I bank with by the way) that I’m trust worthy enough for the other $11k or so?

BEST ANSWER: Try this site where you can find the best solutions for your finance situations :Personal Finance


I need an Auto Loan but have bad credit, what should I do?

I have a credit score around 560 and need a auto loan for 12000. I can put 2500 down and I make 6000 a month, gross. Where can I find financing for a used automobile?


How much do you have to make at you job to be able to get Auto Loan?


I’m looking for the best personal loans in Malaysia ?

I’m looking for the best personal loans in Malaysia. Currently I have 3 credit cards which are overly used, house loans and many other commitments.


Has anyone used greenpath debt solutions?



BEST ANSWER: Try this site where you can find the best solutions for your finance situations :Personal Finance

Is there any loan shark in kissimmee florida?

i need 30,000 asap. i can pay it back in 10years or maybe 5 year depending what the rate is. i have 10bill i went to make one. i have no money i have a 4year son. i work 2 job i need help and fast


If a person doesnt lie on his bankruptcy petition can he still go to jail for bankruptcy fraud?


Has any one ever used mobiloans and is it a good idea to get a loan from them?

I got a letter in the mail and I am needing a little money because I got into an accident in Oct and was out of work please help!!!


I need to consolidate my debt and mortgage what are my choices?

BEST ANSWER: Try this site where you can find the best solutions for your finance situations :Personal Finance


Best place to get a car loan in the military?

hey everyone, well im in the air force and ive been in almost 2 years, im about to go back stateside and i have no car or anything anymore so i was planning on buying a car as soon as i get back, i dont have any bills or payments of any kind, i usually just spend money freely with no worry but i want a nice car, no beater. im looking at a 03 bmw z4 for around 15k. its not to expensive and im sure i can make all the payments and have it payed off in 4 years no problem my real question is, where can i get an auto loan for around 13-15k with a decent interest rate if im in the military?? im not sure if i have credit, if i do i KNOW its not bad, but im sure its not excellent, i just want to know a trusted place i can get an auto loan without having to pay like 8 or 10% interest, im very good with money and with tax return season coming up im sure i can have a a quarter to a third of the car payed off within 2 months. please help, im a new airmen and this is a big step for me, i hate being in debt to anyone/anything thats why im hesitant on a loan, but i will need one for this car, thanks a TON!


My lender called and said the underwriter declined our FHA loan, is it possible to get someone else?

To those of you who are calling me unreliable, or a deadbeat borrower, know the facts before your so harsh with your words. The bankruptcy was because my child was seriously ill and this incurred a massive amount of medical bills AFTER the insurance. We were overwhelmed with medical debt. And as far as the ONE late payment goes, my husband was injured at work and was out for a couple weeks. We used our saving to pay other committments and this was one we had to pay late. Unlike many people, we don’t have any family members to ask for help. So next time, be a little more reserved with your words before you go and point fingers. And FHA says you can qualify after a bankruptcy is discharged for 2 years. Thanks for adding to my bad day.


I have a personal loan and an auto loan, can I combine them into one?

I have an older car as collateral for the personal loan with about $3000 left on it, and my current auto loan for $14,000 at a 13% rate. Can I combine them into one payment?


I have Bad Credit Are there any cell phone companies that offer monthly plans without a credit check?

I live in new york city and im looking for any cell phone company that offers a monthly plan without a credit check Was A victim of identy theft and am slowly fixing all the problems that come with that please help


What is the best Credit Card in Malaysia in terms of Rewards.?

Can i know what will be the best credit card in terms of points & rewards ? Tks.


Can payday loans help your credit?

If I were to get a pay day loan and pay it on time will it help improve my credit?


I filed bankruptcy chapter 7 what do i do as far as my tax return?


Can I make payments anytime on my credit card regardless of due date?

Ive never received a statement yet, since I just got it a week ago. I have 0% interest for year…so I dont have to worry about that…I just want to get the credit down a tad bit.. Thanks πŸ™‚


Can you get a credit card when you have the slighest bad credit or no credit at all?

i am in australia & not after a debit card

BEST ANSWER: Try this site where you can find the best solutions for your finance situations :Personal Finance


How do i find bankruptcy sales or auctions?


If a person doesnt lie on his bankruptcy petition can he still go to jail for bankruptcy fraud?


Sallie Mae Loan debt is not going down after 6 years of on-time payments?!?

In 2005, I got a Sallie Mae loan for $8,959 at an interest rate of 13.25%. I start making payments on it in Jan of 2007, always on time, and always more than the minimum amount (sometimes nearly double). Today, I check my loan balance and I see that my loan balance is $9,288.96, several hundred dollars MORE than the original loan amount. I’ve calculated up all of my payments over the last 6.5 years and these are the numbers I’ve come up with: Original Loan Amount: 8959.00 Outstanding Principal: 10648.62 Interest Rate: 13.25% Loan Date 11/16/2005 Repayments Started: 1/13/2007 Over the last 6.6 years: Total Amount Paid: 12176.07 Amt Applied to Principal: 2973.04 Amt Applied to Interest: 9154.67 Current Loan Balance: 9288.96 Capitalized Interest: 2546.00 This just doesn’t seem right that such a huge chunk of my payments are going toward interest, and that after 6+ years of payments, I still owe so much on such a small loan. Had this been a car loan for $10,000, it’d had been paid off years ago. Is this normal or should I seek some sort of financial consultant to help figure out why this thing isn’t going down?


Ok i’m really confused. Does meps do your credit check?

I’m set up to go to MEPS in two days. I told my recruiter that I have 12000 in debt in collection but I’m getting debt consolidation but I’m waiting on the collectors to send me verification of the debt to get started. Now my recruiter who’s taking me to meps said they won’t run my credit till later this year and that I have plenty of time to start paying on it to bring it current. I will need a secret security clearance for my job. Is what he said true?


Which bank offers personal loans for lesser interest rates currently in UAE?


How to lower my credit card payments?

Little background (I’ll be brief)… 21 years old Full time student Lives at home Parents provide SOME support Total credit card debt over 6 cards: approx. $13,500 On the card with the largest balance ($4,500) I mistakingly missed a payment and my rate went to 29.99%. All other cards either have a high interest as well or are close to their limit. The question: Is there anything I can do to make my interest rates lower on the cards or lower my payments any way? I have a decent credit rating (around 615) and a somewhat good payment history. Perhaps, is there even a way for me to some how consoladate all my debt into one montly payment? I would love to get a loan from my bank for the amount, but would they even consider giving me one? Please help! Thanks! P.S. I don’t know if it helps at all but I also have an Auto Loan with a balance of $8,000 that has kept my credit rating afloat because of good payment history and I have a good rate on that loan. Thanks again!


Gerardo & Alejandra Medel Debts & Bankruptcy?

do not lend money to these 2, they won’t pay you back




















































My ex husband is filing bankruptcy. Can he include child support payments?

My ex husband is filing bankruptcy. Can he include child support payments?

my ex husband is filing chapter 13 bankruptcy. Can he include his child support payments in his bankruptcy?

BEST ANSWER: Try this site where you can find the best solutions for your finance situations :Personal Finance


RELATED:

Best way to get a copy of your credit report?


What do you think about payday loans?

I am thinking about getting one and would like to hear you advice about them.


I just heard that alot of these payday loan places are in trouble?

something about the intrest and rollovers….they might not be legally allowed to collect on the loans til they regulate the rates


I have a good job , but bad credit , is there anywhere or anyone that i can get a small personal loan from?

i’am not looking for a payday loan either

BEST ANSWER: Try this site where you can find the best solutions for your finance situations :Personal Finance

How will applying for an auto loan online at several places affect my credit rating?

I heard that comparing auto loans before shopping for a car is a prudent thing to do. But I’ve also heard that every time you apply for a loan your credit rating is negatively affected. What’s the truth?


I would like to file for chapter 7 bankrupty, what can they do?

I have about 20,000 in credit card debt. I also have court judgment against me about 7 years old that I owe 17,000 for. I also owe about 60,000 in student loans (I know the student loans can’t be included in bankruptcy just included them to show how much debt I have). Here’s the question. I want to file for chapter 7 bankruptcy, my husband does not, all this debt is in my name. I am a stay at home mother/master’s student. I do not work, the house/truck/van are in my husbands name. I have no assets. Can I file bankruptcy separately from my husband, and if I do-will they look at his income or will they just look at my income which is zero. Any advice on this situation would be appreciated, thanks.


What is the web site where you can get a credit report for FREE?


My ex husband is filing bankruptcy. Can he include child support payments?

my ex husband is filing chapter 13 bankruptcy. Can he include his child support payments in his bankruptcy?

BEST ANSWER: Try this site where you can find the best solutions for your finance situations :Personal Finance


Bankruptcy/credit score?

My chapter 7 was discharged 6 months ago, I still have a item that’s not showing discharged. I want to get that item changed on my credit report to show discharged in bankruptcy would it be better to have it show late paying/writen off or discharged in bankruptcy


R.I. city files bankruptcy~do you feel this will become a domino effect in other states?


Auto Loan – 72 months for 2005 vehicle?

Hi In January or February of 2011 (6 to 8 weeks), I will be purchasing a 2004, 2005, or 2006 H2 Hummer. My credit took a nose dive about 5 years ago, as I went through a financial hardship for a few years. I have, however been rebuilding my credit and it gets better all the time. My plan is to try to get a 72 year loan but not actually carry through with it. For example: I want to purchase the car with 72 month loan to keep my payments where I need them to be. But, after two years, when I will qualify for a much better rate, I will refinance for 36 months. Thus, in reality it will be a 5 year payment even though it starts out at 7. The question is, as we turn into a new year, 2011, will I be able to get 72 months on a 2005 vehicle? what about 2004 or 2006? Certainly if I had better credit, I would not take the 72 loan . . but I do have a goal of really cutting it back to 60 months or less 1) purchase car with $5,000 down – 72 months 2) after 2 years, refinance with another $2,000 down for 36 months 3) After year 3 (first year after refinance) trade the car in – as I should not be upside down in the loan.


Is booking.com a safe website to book a hotel?

I want to book a hotel in Lanzarote but I am not sure if this site is a safe place to give credit card number, or it is a scam. Should I book through the hotel chain website?


What would be the best currency to use at an airport in china?

We will be at guangzhou airport for several hours in transit to the UK from Australia what sort of money will we need for coffee beer etc at the air port


Does anyone know how much it is…?

does anyone know how much is to file for bankruptcy? i am in the state of California. How long does it take and how do u go on about the process.. what should i do and what shouldnt i do…any hints?


I have one payday loan out already, can I still get another?

I got a payday loan last week because I needed to catch up on some bills. I’m in need of a little extra cash again before my pay day, so can I go to a different place and get a loan, or can they check and deny me because I have another loan out? My friends say some are connected, but others aren’t and it might work. And yes, I would be able to pay them off.


What company should I use to consolidate all my credit card debts?

There’s so many companies out there that’s willing to consolidate my debts but which one does it the best?


My ex husband is filing bankruptcy. Can he include child support payments?

my ex husband is filing chapter 13 bankruptcy. Can he include his child support payments in his bankruptcy?

BEST ANSWER: Try this site where you can find the best solutions for your finance situations :Personal Finance


Should my gf file for bankruptcy?

she makes 2100.00 a month and has 1770.00 a month out the window due to credit card debt, car payments, school loans, insurance, etc. she has been overwithdrawing her account every two weeks for some time now. she most likely will not need a good credit standing as i already own my house. besides a car i cant see anything else she would need a good credit score for?????


If a bank gives you a mortgage but you are creating the money with your signature, is that not fraud?

and no i am not some bitter person that forgot to make a payment. smart people realize you do not need the service of banks to create money and loan it back to you. we can just create money ourselves (legally) but you have to know how and the world is not ready for that yet. if you was you would be able to find the info easily as its freely available online. the powers at be are just trying to monopolise that ability for themselves.


Is melvin financial loan firm a reputable loan company?

This loan firm is offering me a loan but i am required to send 150 for c.o.t please advise me


Should I file bankruptcy before or after applying for a loan modification?

I want to apply for a loan modification and I also want to file bankruptcy. Should I (a) file chapter 13 and THEN apply for a loan modification? or (b) apply for a loan modification and file chapter 7? If I choose B then do I apply first or file first? And if I apply first, do I tell my mortgage company my chapter 7 intentions? If I file chapter 7 first THEN apply for a loan modification and am not approved what will happen to the mortgage that is in arrears? Please help, I need to get this figured out ASAP! Thanks so much!!!


My mother is filing for Chapter 13 bankruptcy.?

Will she be required to make payments on a car that got repoed six and a half years ago?


Can I claim a Crisis Loan to cover my first months rent and deposit?

I’ve been offered a job in Nottingham after 5 months of unemployment and am due to start on the 8th. It’s initially for 1 month and then, following a review, I’ll go on permanantly. I’ve found a great flat down there for a VERY reasonable price and the landlord is willing for me to go on a 1 month contract and then to reassess it after that but he wants 1 month’s rent in advance and a deposit of another month’s rent (refundable after 6 months). Can I get a Crisis Loan to cover that? I think the risk of not getting this job after 5 months and 22 interviews qualifies as a crisis


How can I get a free copy of my credit report? Preferably by mail.?

Do I need to write to the company? Thanks. If you have a website you can note that down too but I would rather communicate by postal mail with the agencies.


WHERE DO I GET A FREE CAR REPORT?

free, no credit cards needed i need the truth about my truck

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What are some Payday Loan Alternatives?

I recently lost my job and need some cash to help pay for my bills this month. I’ve heard payday loans are terrible. Anybody know of some alternatives to payday loans for somebody who has bad credit?


What are the cheapest reliable credit score companies where I Can get that efficient credit score that I need?

What are the cheapest reliable credit score companies where I Can get that efficient credit score that I need? I need to know what my credit score is so I can start looking for an apartment. And I know it must be bad, but I just want to make sure that it isn’t tooooo horrible. Thanks.


How do i get out of a 2 month problem vehicle auto loan?

I bought a 07 mustang shelby 2 months ago and had problems with it right away.I called the dealer and explained the situation well it took them a month or more to get the car back to me and im still not satisfied with the vehicle. I spoke with the GM and told him i wanted my money back.He told me that he would by it back but he had to see how much the car was going for . My question is how much should i get as far as money back because of my trade in and all the fees and warranty that were financed through the loan? The car was 34000.00 my trade was 10000.00 fees including warranty and fees was total financed for 27000.00. What am i looking to lose here


Debt consolidation loan…$7000 in debt!?

Would I get approved for a debt consolidation if I owe $7000 on an auto loan and misc. debt. How does a debt consolidation work? I dont even have the car that I am paying off anymore, which sucks. Anyone that could give me info on this would be great!



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Amazon credit card worth it?

So I am noob, 18 and don’t know all about this credit card stuff. I have a wells fargo account, and I have a visa credit card they gave me, and I have ~300$ in my account. Now if I apply for the amazon credit card it’s from chase, any downfalls? How does this all work? Is it a good deal? I purchase a lot from amazon. Thanks, looking for a complete run down from experienced people before I make any horrible mistakes.


My ex husband is filing bankruptcy. Can he include child support payments?

my ex husband is filing chapter 13 bankruptcy. Can he include his child support payments in his bankruptcy?


If I owe 40k on land at 6.75% interest, can I build a house and still have the same payments?

We built our house years ago, and we had two loans…one for our land and one for the construction loan and then rolled them together. I’m foggy on the process as it was years ago. This would be a modular home, so it wouldn’t take that long for it to be built…probably just a couple months. So I don’t think I’d have to pay off the land, before I got a construction loan….but I don’t know…maybe if I went through the same bank. I’m appreciative for your comments as I’ll know what to ask when I go in with them and talk about this. Thanks!


What does and/or mean on an auto loan?

hello can someone shed some light on AND/OR situations regarding auto loans or ownership of vehicles when there are two owners? Im in a AND situation and a co-owner of a vehicle.

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Can credit cards be used at an ATM machine?

I don’t have an ATM card, just a credit card. Can I use my credit card to withdraw money from an ATM machine? I don’t have a pin number for it so I’m guessing the answer is no. I used to live in New Zealand. It was no problem getting money from an ATM using a credit card. Can’t say I’ve ever tried to use my card at an ATM here in the U.S. I do have an American-based credit card. I rarely use ATM’s so I’ve never looked into getting an ATM card. But I’m short on cash for the weekend and I only have my credit card! Thanks for the info.


What does ach mean on my bank account?

I pay my auto loan before the due date and often time pay months in advance I always have the funds but when it deducts it says pending ach


Cd interest rates vs credit card interest rates?

For instance, i invest $5000 dollars in a 5 year CD term with 1.25 and I if I want to borrrow $5000 dolars from a bank they give me this money as a credit card with 14% interest.. So, they borrow my money for 1.25% and I borrow bank’s money for 14%..I think this very ridicoulous!


Do student loans look good when applying for a mortgage?

I have $30,000 in student loans, and will be looking to buy a house in the next 2 years. If I’m making $45,000 a year and making minimum payments on the loan, will that look good when I apply?


I make 35k a year and am buying a 150k house?

I have a gf and a best friend that will be stayin there with me. So really I’ll be paying around 500. It is in a great part of Las Vegas and is a great deal. The friend has live with me for 5 years and will be doing so for a while.The GF is pretty serious also. Should this house payment be an issue? The 500 is including all my utilities. I have a car payment at 350 a month and very little cc debt


I have bad credit and I am in desperate need of loan.?

I have a steady income of 2000 dollars per month. I am in need of loan of about 7000. I have bad credit and i have tried almost everywhere in my home town and on the internet. Is there anyone out there that could give me some help asap?


Anyone file bankruptcy recently? If so, pros & cons?

I am looking for personal feedback from individuals who have recently filed bankruptcy. I am considering it but doing research on it for starters.


What are appraisal requirements for a conventional home loan?

I am currently buying a home that is foreclosed. loan was approved but appraisal said cost to cure is -15,000. under the notes for cost to cure it says the flooring needs replaced and the tub liner. I have already estimated these costs to not be over 1,500?? why do they say cost to cure is 15,000?? and the carpet has no damage, it is just dirty and needing cleaned so why does an appraiser make my cost to cure so high? I got a conventional loan because I was told the requirements for the home will be easier. meaning as long as there was no visible roof, structural, electric, plumping…etc needing to be repaired I should qualify for home? a friend of mine told me he couldn’t get a home once because the garage door needed fixed??? I really want this home I cannot do any repairs to it before I buy it because it is a HUD home… so how do I get this house? its perfect only needs some minor fixes like new carpet and replaced doors. I estimated the cost to be $114 for all. The house is a foreclosure and im sure the people were not happy to loose there home as I wouldn’t.. so I AM PRETTY SURE IT IS COMMON for a home to be dirty and abused a little when its a foreclosure!!! I am a first time homebuyer and I thought I did my research please help, thanks.


Refinancing auto loan for non resident aliens!!?

What are the options for non us citizens/permanent residents for refinancing a car? BOA doesn’t refinance a car for non-resident aliens(visa holders).Does any other bank grants? Thanks.

BEST ANSWER: Try this site where you can find the best solutions for your finance situations :Personal Finance


What is Retail Prime Lending Rate (RPLR)?

How does a borrower ( Home Loan ) is affected by the raise and fall of RPLR. What the the relationship between the RBI ( Reserve Bank of India ) to RPLP.


My ex husband is filing bankruptcy. Can he include child support payments?

my ex husband is filing chapter 13 bankruptcy. Can he include his child support payments in his bankruptcy?


How do I use fafsa to pay for my books in college?

I start college soon and I haven’t bought my books because when I went to the college bookstore they only had new and the books were over 100 dollars. I also heard that it is okay to wait until after the first day of classes to buy your books so you know which versions you need for sure? Should I just buy my books now or wait?


My fico score is 631?

hello. i have a fico score of 631. i just paid off my car($7077) & a old debt of $601 then paid off the bal. on my 2 credit cards one bal. was $494…..limit $500, the other bal. was $241……limit $250, when all this is reported what should my fico score go up too? thx………


How can you pay a best buy credit card?

ok i will check it out but i could have sworn it said a fifteen dollar charge will be applied for enrolling to pay it online. and if so that’s ridiculous. hopefully i am wrong. thanks for the fyi.


Has anyone ever used NovaStar Mortgage?


How can you order a credit report and credit score without signing up for a free trial and credit monitoring?




















































My Landlord is filing for bankruptcy, will he lose the house that we are living in?

My Landlord is filing for bankruptcy, will he lose the house that we are living in?

He still owes money on it , my feelings are that 1. Don’t want keep payong rent when he not putting the money towards the hous 2. I want to make sure i have enough time to find another place and save money 3. the landlord really has’nt said to much about it i think we have a right to know i have afamily to take care of

BEST ANSWER: Try this site where you can find the best solutions for your finance situations :Personal Finance


RELATED:

Clear bankruptcy off credit history?

I filed a Chapter 7 bankruptcy seven years and two months ago. Isn’t it supposed to be cleared off of my credit history automatically after seven years. I had a friend tell me that a Chapter 7 stays on your history for ten years, and a Chapter 13 stays on your history for seven years. I’m very confused about this, can anyone give me the accurate facts about this. Thank you for your help.


My credit score is 521. I am looking for a home loan. I would be putting 20% down. Can anyone help?


My boyfriend told me i was gucci what he mean?

i ask him was i still his baby he said i was gucci


What auto insurance co. offers discounts for UPS employees?

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I want to Buy laptop in installments…..?

Only Contact INDIAN SELLER Or Any INDIA Website


On chapter 7 bankruptcy information what is the term?

to stay preserves property and prevents from sued by the creditor?


Has anyone received money from Sona Medspa of Sacramento bankruptcy ripoff?

This company has ripped off my mother for $3000 in pre-paid treatments. Now they have packed up and left town. They have filed bankruptcy to avoid paying back pre-paid packages. My mother is a hard working woman who has raised 4 kids on her own and does not deserve this sort of treatment. We have all grown up in Sacramento and this is no way repay a woman that has brought so much to this city. Sona Medspa of Sacramento Owned by Duck Hill Corporation 29 Lake Vista Ct Sacramento, CA 95831 Owners: Walter R. Dahl 2304 N St Sacramento, CA 95816 916-446-8800 Richard Hanf POB 6499 Napa, CA 94581 707-251-0610 Court Case: 07-30648-D-7 Location: Robert T Matsui United States Courthouse 501 I Street, Suite 3-200 Sacramento, CA 95814 March 12, 2008 10am


My Landlord is filing for bankruptcy, will he lose the house that we are living in?

He still owes money on it , my feelings are that 1. Don’t want keep payong rent when he not putting the money towards the hous 2. I want to make sure i have enough time to find another place and save money 3. the landlord really has’nt said to much about it i think we have a right to know i have afamily to take care of

BEST ANSWER: Try this site where you can find the best solutions for your finance situations :Personal Finance


Is there any where online where i can get a free credit score?

i want know where can i get a free credit score. i mean no credit card needed. please don’t say annualcreditreport b cuz it only gave me my report, i want the score.


Can person file bankruptcy on unemployment overpayments?


Can I get a loan via paypal?

Im wondering if I can get a loan via paypal. I don’t mean a 20-30$ loan though, I mean a 1500$ loan to start an online business. If anyone knows of a paypal lending site, if said site exists, I’d appreciate the help.


Where Can I download these songs (from FreeCreditReport.com)?

Eric Jean Violette (free credit report.com guy) bicycle rock star dream girl seafood restaurant Subcompact car anyone know, they aren’t on itunes and googleing does nothing


If someone has filed for chapter 13 bankruptcy but it hasn’t been accepted yet, can they sell their car?


Is such a thing as a free credit report really exist?


Is there anything i can do to fix my debt?

Im in debt but i don’t want to file for bankruptcy because i feel like i don’t owe too much…what else can i do to help my credit and pay all my debt? i know there is debt Relief places but i don’t know if there trust able…does any body have any recommendations or advice? I don’t have enough money to pay them off and im Living paycheck after paycheck!!


Consequences from home foreclosure on primary residence with a rental property?

i have a foreclosure on a primary residence due to hardships. i also need to file chapter 7 bankruptcy and have a rental property.


My Landlord is filing for bankruptcy, will he lose the house that we are living in?

He still owes money on it , my feelings are that 1. Don’t want keep payong rent when he not putting the money towards the hous 2. I want to make sure i have enough time to find another place and save money 3. the landlord really has’nt said to much about it i think we have a right to know i have afamily to take care of

BEST ANSWER: Try this site where you can find the best solutions for your finance situations :Personal Finance


Difference between a personal loan and a home loan?

If I was to borrow say $30,000 in Australia to pay the remainder of a home loan, what would be the difference between taking out a personal loan and a home loan to pay it off?


How bad does declaring bankruptcy hurt your credit?

I posted a question a little bit ago asking what the different types of bankruptcies were. It seems that my friend’s situation falls into either Chapter 7 or 13. How bad will each hurt her and her husband’s credit? (They would declare due to him losing hours at his job and her not working because she’s a stay-at-home mom with three kids). Thanks in advance!


My credit card info was stolen by a virus – What do I need to do?

One night my boyfriend used my old laptop to surf a porn web site. Not long afterwards, I started getting a weird popup for antivirus software that wouldn’t go away. My computer crashed after I tried to delete some infected files. Two days later, I checked my credit card statement and found a charge $30 from a porn web site! I’m pretty sure it was the virus and not him – I never gave him access to any of my credit cards. I contacted Transunion and put a fraud alert on my card – what else do I need to do? Help!!!


I’m looking for a credit card with no overseas usage fees to take to America with me?

Im travelling to america in june and i applyed for the wizard clear advantage credit card but was not eligable for it. i rung up and asked them why and they didnt really have an answer. so i was wondering has anyone ever travelled overseas from Australia and had a good credit card they couild recomend?


Is this bankruptcy lawyer lying to my mom?

I received some toll violations that sum up 470 dollars and it is in both of our names because she owns my car. He told her that she can put those toll violations with her bankruptcy but I thought that was illegal because the violations came from the state of Illinois. Is he right or wrong?


I already have a Loan for $1000 with 1stmariner Bank, if i need another can they add it to that one?

Can the bank just add another like Auto Loan to my current Loan ? or even just give me a separate one without a cosigner? I am only 20. I have made all payments on time and have good credit. would they allow me to add to current or even just get another new one without cosigner?


If there is any loan sharks in south carolina that can spare 2500 dollars please help me and my wife?

My wife may go to jail and she is pregnant and we need to turn our lights back on, and we have to get transportation. we have 3 other small children and i am willing to do anything to support them. except prostitution.


Where can i get a personal loan if my credit score is bad? (560)?

I have been searching and was wondering where could I get a loan in the state of Missouri, if my credit is 560?

BEST ANSWER: Try this site where you can find the best solutions for your finance situations :Personal Finance


What happens if I don’t pay my title loan back?

Let me explain more…I know that they can repossess the car. Thing is, I need the intake manifold replaced and that is going to cost a minimum of $400, which I don’t have. Someone has offered me a small amount of money for the car (they know the repairs it needs) so what happens if I sell the car? Can I get in trouble for that in any way? I called the title loan place (didn’t tell them it was me) I pretty much laid out the situation to them, they said that all that will happen is that I will never be able to get a loan through their company again. To me that seems like people can get off too easy on these places…can charges be pressed or anything like that?


What happens if you get a loan from a payday lender but cant pay it back?

I wrote a check to one of those payday loan places but my check didn’t clear my bank. Does anyone know the process of paying it back?


Auto loans during economic crisis?

is it beginning to become more difficult for people to obtain auto financing or just home loans


Will having a charge off removed from my credit raise the score any?

I have scores of: 554/495/524. The bank has agreed to remove the charge off from my credit because it was for a small amount of 328.00. When they remove it, will my score go up, and by how much?



BEST ANSWER: Try this site where you can find the best solutions for your finance situations :Personal Finance

If someone has filed for chapter 13 bankruptcy but it hasn’t been accepted yet, can they sell their car?


My Landlord is filing for bankruptcy, will he lose the house that we are living in?

He still owes money on it , my feelings are that 1. Don’t want keep payong rent when he not putting the money towards the hous 2. I want to make sure i have enough time to find another place and save money 3. the landlord really has’nt said to much about it i think we have a right to know i have afamily to take care of


Is there any way to check with the credit bureau if I have an open credit card?

I closed my cards a couple years ago. They gave me a confirmation number and everything. Since I ripped those cards up I have no way of accessing the old card numbers. I’m pretty sure those accounts are closed…but I still have some paranoia and fleeting doubts. I also tried to check my credit report online and was unsuccessful. They said to call instead??


Bankrupt with a secured loan?

We have a secured loan (with our personal property) and would like to know what the outcome was from anybody who has been down this dreary road. If your a bankruptcy trustee, or something similar, what has your experience been? Do lending institions namely Wells Fargo Financial generally come and get the household affects that were put down as security? Please we need some advice, or to know what others experiences have been. Thank you.

BEST ANSWER: Try this site where you can find the best solutions for your finance situations :Personal Finance


I want to rebuild my credit?

I have a serious question to ask. And please, I don’t need for someone to tell me that I’m so stupid to have led my credit down the drain etc etc. I’ve come to realize that I need to rebuild my credit and I am currently working on getting everything paid off. I have paid off my capital one credit card which was $2600, JCP account $1200, and Sam’s club $530. They were all in collections and were closed before I paid them off. Also I had medical bill which went to collections but was able to pay off. Now I have Dell and bank of America that I’m paying off. For Dell I still owe $2000 and Bank of America I owe $1700. I checked my credit the other day and it was still 580. I have no car payments nor mortgage payments. I am paying bills on time now (I learned my lesson the hard way) and was wondering what else I could be doing to rebuild my credit. I understand that those accounts that went to collections can stay on my credit for up to 7 years and my credit report showed that couple of those will remain on there until 2011. Thanks for all of your help!


Will I be able to get a bank loan with a credit score of 585?


How long after you file Bankrupcy can you get a home loan?

Your Question How long after you file Bankruptcy would be a good time to apply for a home loan? my husband and I filed for bankruptcy about 4 months ago and our landlord has given us the option to buy our house. We would love to do that because we love our house! But I don’t want to walk into a bank and have them laugh us out of the bank.


What’s the diff between a Sherlock and a Shylock.?


Will I be able to get a bank loan with a credit score of 585?


Free credit score report ?

I’m buying a car and I want to know my credit score before i head to the dealership. Is there a way for me to attain a free credit score online ?


Can I write off bankruptcy losses on my taxes?

A company I used to work for filed for chapter 11 bankruptcy owing me a balance of over $70,000. There is a good chance that I’ll never get the money I’ve earned. Can I write off that loss on my taxes?


What is the best fantasy cricket website?

Cricinfo Fantasy Cricket shut down and I was wondering if you know of any other good websites like cricinfo to play fantasy cricket Thanks


Which is a better loan option?

and I have NO cosigner.

BEST ANSWER: Try this site where you can find the best solutions for your finance situations :Personal Finance


Can you pay a rogers and hollands credit card online. if so, where?


My Landlord is filing for bankruptcy, will he lose the house that we are living in?

He still owes money on it , my feelings are that 1. Don’t want keep payong rent when he not putting the money towards the hous 2. I want to make sure i have enough time to find another place and save money 3. the landlord really has’nt said to much about it i think we have a right to know i have afamily to take care of


What do you need to rent an apartment at the age of 19?

i’m 18 n my boyfriend is 19, we’re trying to move out on our own. n we want to know what we need in order to take that step.


Do companies write off” debt that they can’t collect?”

What exactly is a write off? After they have written it off can they still put it your credit reports (equifax, etc.)? If I call the company and find out my debt has been written off, should I call the credit bureaus and inform that the debt has been written off and ask them to remove it from your history? I’ve also heard that you can write a letter to the credit bureaus informing them why you incurred so much debt you couldn’t pay back and explain your intentions about how you are going to pay them back. I was told that the letter must be submitted with the report when the report is requested. Is it true?


Legal advice on lending money?

I lend my boyfriend some money though bank transfer, without signing any papers, if he refuses to give the money back is there any way i can legally make him return it? thank you.


I will lose my personal property ( aparment ) chapter 7 if I file bankruptcy in new york ?

my aparment is pay off in new york city cost $ 100.000.00 and i have $45.000.00 debit in credit card ,i will like to file for chapter 7 i will lose my apartment thank you iff i file.


Where can buyers go for financing on mobile homes on land in TN?

Mobile home financing is sometimes very hard to find, some buyers have less than perfect credit, (640 and under). Looking for financing for mobile homes” single wide and double wide already on land. Some homes listed are manufactured double wide homes with permanant foundation