Auto loan after a Chpt 7 BK?
svtmicah Asked: Auto loan after a Chpt 7 BK?
I'm trying to build and establish new good credit and have begun with 3 credit cards and an installment loan that is nearly finished. My scores have went up and it looks that I'm accomplishing something. 2 things, I need a car and want to wait another 6 months hoping that I can get a loan ($18-22K) with a decent APR.I'll be 2 years out from the discharge at that point. Does anyone have a suggestion on how to approach this accordingly, I tried to get an account with a credit union but unfortunately because of the BK or a Chexsystems report I've been denied. I'm looking for suggestions not criticism of the unknown circumstances that forced us into bankruptcy, Honest legal opinions are appreciated.
Answers:
Frasiscuss James Answered:
MY NAME IS FRANSISCUSS JAMES AND AM A CITIZEN OF GERMANY. I WAS PASSING THROUGH FINANCIAL STRESS WHICH ALMOST RUIN DOWN MY COMPANY. I ALMOST GAVE UP UNTIL I SAW AN ADVERT BY ONE ENGINEER RAJU WHO TOLD ME ABOUT FINLAND MICRO FINANCE LTD (finlandmicrofinanceltd@gmail). AT FIRST I THOUGH IT WAS A JOKE BECAUSE I HAVE APPLIED FOR LOAN FOR THREE DIFFERENT FIRM BUT NOTHING GOOD CAME OUT OF IT. I SAY TO MY SELF THAT I SHOULD JUST RISK IT FOR THE LAST TIME BUT TO MY GREATEST SURPRISE MY LOAN OF $2,000,000 WAS GRANTED. AM ADVISING ANY BODY THAT IS LOOKING FOR LOANCONTACT FINLAND MICRO FINANCE LTD (finlandmicrofinanceltd@gmail.com)
MY NAME IS FRANSISCUSS JAMES AND AM A CITIZEN OF GERMANY. I WAS PASSING THROUGH FINANCIAL STRESS WHICH ALMOST RUIN DOWN MY COMPANY. I ALMOST GAVE UP UNTIL I SAW AN ADVERT BY ONE ENGINEER RAJU WHO TOLD ME ABOUT FINLAND MICRO FINANCE LTD (finlandmicrofinanceltd@gmail). AT FIRST I THOUGH IT WAS A JOKE BECAUSE I HAVE APPLIED FOR LOAN FOR THREE DIFFERENT FIRM BUT NOTHING GOOD CAME OUT OF IT. I SAY TO MY SELF THAT I SHOULD JUST RISK IT FOR THE LAST TIME BUT TO MY GREATEST SURPRISE MY LOAN OF $2,000,000 WAS GRANTED. AM ADVISING ANY BODY THAT IS LOOKING FOR LOANCONTACT FINLAND MICRO FINANCE LTD (finlandmicrofinanceltd@gmail.com)
Got a better answer? Share it below!
Categories: Loan Questions Tags: APR, BK, loan
Looking for a good Auto loan in 6 months … Chpt 7 BK?
svtmicah Asked: Looking for a good Auto loan in 6 months … Chpt 7 BK?
I'm trying to build and establish new good credit and have begun with 3 credit cards and an installment loan that is nearly finished. My scores have went up and it looks that I'm accomplishing something. 2 things, I need a car and want to wait another 6 months hoping that I can get a loan ($18-22K) with a decent APR.I'll be 2 years out from the discharge at that point. Does anyone have a suggestion on how to approach this accordingly, I tried to get an account with a credit union but unfortunately because of the BK or a Chexsystems report I've been denied. I'm looking for suggestions not criticism of the unknown circumstances that forced us into bankruptcy, Honest legal opinions are appreciated.
Answers:
Frasiscuss James Answered:
MY NAME IS FRANSISCUSS JAMES AND AM A CITIZEN OF GERMANY. I WAS PASSING THROUGH FINANCIAL STRESS WHICH ALMOST RUIN DOWN MY COMPANY. I ALMOST GAVE UP UNTIL I SAW AN ADVERT BY ONE ENGINEER RAJU WHO TOLD ME ABOUT FINLAND MICRO FINANCE LTD (finlandmicrofinanceltd@gmail). AT FIRST I THOUGH IT WAS A JOKE BECAUSE I HAVE APPLIED FOR LOAN FOR THREE DIFFERENT FIRM BUT NOTHING GOOD CAME OUT OF IT. I SAY TO MY SELF THAT I SHOULD JUST RISK IT FOR THE LAST TIME BUT TO MY GREATEST SURPRISE MY LOAN OF $2,000,000 WAS GRANTED. AM ADVISING ANY BODY THAT IS LOOKING FOR LOANCONTACT FINLAND MICRO FINANCE LTD (finlandmicrofinanceltd@gmail.com)
MY NAME IS FRANSISCUSS JAMES AND AM A CITIZEN OF GERMANY. I WAS PASSING THROUGH FINANCIAL STRESS WHICH ALMOST RUIN DOWN MY COMPANY. I ALMOST GAVE UP UNTIL I SAW AN ADVERT BY ONE ENGINEER RAJU WHO TOLD ME ABOUT FINLAND MICRO FINANCE LTD (finlandmicrofinanceltd@gmail). AT FIRST I THOUGH IT WAS A JOKE BECAUSE I HAVE APPLIED FOR LOAN FOR THREE DIFFERENT FIRM BUT NOTHING GOOD CAME OUT OF IT. I SAY TO MY SELF THAT I SHOULD JUST RISK IT FOR THE LAST TIME BUT TO MY GREATEST SURPRISE MY LOAN OF $2,000,000 WAS GRANTED. AM ADVISING ANY BODY THAT IS LOOKING FOR LOANCONTACT FINLAND MICRO FINANCE LTD (finlandmicrofinanceltd@gmail.com)
Got a better answer? Share it below!
Categories: Loan Questions Tags: APR, BK, loan
Financing math problem?
Liz Gonzalez Asked: Financing math problem?
1) Jack wishes to purchase a used car that has a price of $12,000. The installment terms include a down payment of $3000 and 48 monthly payments of $224
a. What finance charge will jack Pay?
b. What is the APR to the nearest half percent?
2) Karen is purchasing a brownstone townhouse in Brooklyn for $1,750,000. The mortgage broker she is working with is requiring her to make 15% down payment. The current mortgage rate is 6.0%
a. Determine the amount of the required down payment
b. Determine the monthly principal and interest payment for a 25 year loan with a 15% down payment
3) Stacie is purchasing her first home for $275,000. She is obtaining an FHA mortgage through her credit union and is required to make a 3% down payment. The current mortgage rate is 7.5%
a. Determine the amount of the down payment
b.Determine the monthly principal and interest payment for a 30 year loan with a 3% down payment
Answers:
Sammy Braden Answered:
You got me… Hi, I found a link where u can try. http://yourcares.info/429513/financing
You got me… Hi, I found a link where u can try. http://yourcares.info/429513/financing
Got a better answer? Share it below!
Categories: Loan Questions Tags: APR, FHA, loan, Sammy Braden Answered
Should i file chapter 7 in California?
Snwboardladyyy Asked: Should i file chapter 7 in California?
Your Open Question:
Should I file chapter 7?
I just had a baby and I had a vehicle repossessed that I still owe $15500 on about $9,000 in medical bills and credit card debt…I barely pay my bills to get by every month so I've let everything but one installment loan default. Even that loan is $400 a month. I don't make enough to repair my credit…so don't know if I should keep struggling and have my debt get higher or just accept I need to file chapter 7?Any advice is appreciated
Answers:
Be The First To Answer This Question…
Got a better answer? Share it below!
Categories: Loan Questions Tags: loan, Snwboardladyyy Asked
Where can I find a quick loan for traveling?
philosophieZ Asked: Where can I find a quick loan for traveling?
I'm looking to get $3,000 with an installment plan.I declared bankruptcy back in 2006, but my credit scores are now in the "good" to "very good" range (highest is my Experian @742).My bank doesn't offer personal loans.I need something real quick for an emergency trip.Honest feedback with personal experience would be greatly appreciated.Thanks!
Answers:
Liza Wakhla Answered:
thanks jack
the personal info included by honorable ones after reaching the blue tabs was greatly helpful
thanks again.
thanks jack
the personal info included by honorable ones after reaching the blue tabs was greatly helpful
thanks again.
Tommy Pakhado Answered:
@jack
is this aiding for me…………i mean i'm still in a bad credit position.
thanks
@jack
is this aiding for me…………i mean i'm still in a bad credit position.
thanks
Got a better answer? Share it below!
Categories: Loan Questions Tags: loan, loans, Tommy Pakhado Answered
OSAP money in bank account question (student loan for University in Ontario)?
Jessica B Asked: OSAP money in bank account question (student loan for University in Ontario)?
So for my tuition, I paid the 2nd installment in full amount first and I got approximately $3000 from OSAP deposited into my account afterwards (I think it was January). Basically I paid my tuition with my own money before I got the actual loan to avoid a months interest to my university. Now I am applying for my 2nd year's OSAP and it says to put the amount of assets you have including bank account totals. I have approximately $5000 ($3000 from previous OSAP and $2000 of my own savings).
So my question is, do I put $2000 or $5000 in assets (obviously I'll get more from OSAP if I put $2000) because it said to NOT include any OSAP funding in the total assets section YET I have to include all bank account totals. (I'm not trying to get more money to randomly spend, I will be living away from home so next year I will need that money in my account for rent, groceries, gas etc). I don't want OSAP to think I'm lying and not give me any loan at all.
Answers:
Mr michael Anthony Answered:
Hello Dear
Hello Dear
I am Mr. Michael Anthony, the (C.E.O) MICHAEL LOAN MONETARY; Im a Reputable Money Lender, who gives out loans to individuals and companies that are in need of loan. Do you have a bad credit? Or are you in need of money to pay bills? I will be glad to render you a loan service at 2% interest rate.
ARE YOU SEEKING FOR A LOAN AT A VERY LOW INTEREST RATE FOR ANY LOAN DURATION?
Have you tried to obtain loans from the bank but no success?
Do you need urgent cash to get out of debts?
Do you need finance to expand or establish you own business?
We offer long Term and short term loan.We can also offer to help refinance your homemortgage. If your credit is in the good to excellent range and your looking to get out of your current program we could refinance your mortgage into a fixed rate.
Application is available for applicants who are 18 years and above.
Services Rendered include:
*Consolidation Loan
*Refinance
*Home Improvement
*Inventor Loans
*Auto Loans
*Second Mortgage
*Business Loans
*Personal Loans
*International Loans.
*Student Loans etc. I await your response if you are interested. Upon response, you'll be mailed a Loan Application Form to Fill. Looking forward to hear from you, you can reach us via…. Email:michaelloanmonetary_gh@yahoo.com
Mr. Michael Anthony (C.E.O)
Joy Morgan Answered:
Dear Friend,
I am Mrs. Joy Morgan from Canada Ottawa, I saw that you are really in need of loan, if you will ask me I would have refer you to Mr. Joe Alen Fast Loan Firm,they are one of the best and legit company that I know of giving out loan in a very low interest and stress free without any scams I'm a Canadian I'll not direct my own person to be indulge in scammers,if really you are interested of a loan you can contact Mr. Joe Alen via Email: mr_joealen@live.com, I wish you the best of luck.
Regards
Mrs. Joy Morgan
Dear Friend,
I am Mrs. Joy Morgan from Canada Ottawa, I saw that you are really in need of loan, if you will ask me I would have refer you to Mr. Joe Alen Fast Loan Firm,they are one of the best and legit company that I know of giving out loan in a very low interest and stress free without any scams I'm a Canadian I'll not direct my own person to be indulge in scammers,if really you are interested of a loan you can contact Mr. Joe Alen via Email: mr_joealen@live.com, I wish you the best of luck.
Regards
Mrs. Joy Morgan
Got a better answer? Share it below!
Categories: Loan Questions Tags: Joe Alen, loan, loans, OSAP
Undecided Question: what is an installment loan in finance?
Baghdadia Asked: Undecided Question: what is an installment loan in finance?
An example is a car loan.
Lets say you make a car loan for $10,000
They will give you three to six years to pay in monthly payments.
These monthly payments are referred to as installments (installment loan)
Answers:
Answered:
One you pay back with installments over time, usually each month, until the loan and interest are paid off.
One you pay back with installments over time, usually each month, until the loan and interest are paid off.
Answered:
$35,000 x 10% for 360 months equals $307 per month.
$35,000 x 10% for 360 months equals $307 per month.
Dave Answered:
The charge off will stay on your credit files for 7.5 year from the original date of last activity. They can charge you interest every day until it is paid infull. They also have the right to call you and try to collect the remaining balance. If you buy a car and they run the credit report, there will be a increase because of the default.
The charge off will stay on your credit files for 7.5 year from the original date of last activity. They can charge you interest every day until it is paid infull. They also have the right to call you and try to collect the remaining balance. If you buy a car and they run the credit report, there will be a increase because of the default.
Got a better answer? Share it below!
Categories: Loan Questions Tags: Baghdadia Asked, Dave Answered, loan, Undecided Question
what is an installment loan in finance?
Baghdadia Asked: what is an installment loan in finance?
One you pay back with installments over time, usually each month, until the loan and interest are paid off.
Answers:
doanenut Answered:
An example is a car loan.
Lets say you make a car loan for $10,000
They will give you three to six years to pay in monthly payments.
These monthly payments are referred to as installments (installment loan)
An example is a car loan.
Lets say you make a car loan for $10,000
They will give you three to six years to pay in monthly payments.
These monthly payments are referred to as installments (installment loan)
Rapture Answered:
$35,000 x 10% for 360 months equals $307 per month.
$35,000 x 10% for 360 months equals $307 per month.
Got a better answer? Share it below!
Categories: Loan Questions Tags: Baghdadia Asked, Rapture Answered
I have 12k dollars. What bills should i pay? Suggestions please, thank you.?
isaiah davis Asked: I have 12k dollars. What bills should i pay? Suggestions please, thank you.?
I have 12000 dollars and im looking to pay off most my bills. Here is what i owe.
Not much thankfully. I'm very lucky.
Car – 10600 (interest rate of 6.5% and monthly payment of 320)
Installment loan unsecured – 4060 (interest rate of 11.2% and monthly payment of 170)
Credit Card – 3900 (interest rate of 11.99% and minimum monthly payment of about 95)
Hospital Bill – 985 (no interest rate, but a montly payment of 50)
I came up with a few options, but i want to hear suggestions please. Should i pay off my car? Should i pay everything but the car? Should i pay certain bills and not others? What would you do? Thank you.
Answers:
verde075 Answered:
Key things it depends on are:
(1) what you're currently earning outside of the 12k. If you're still earning, then paying off all your bills in advance is rarely the way to make any money.
(2) what you'd put the rest of the money towards if you didn't pay off all your bills. ,…..
Key things it depends on are:
(1) what you're currently earning outside of the 12k. If you're still earning, then paying off all your bills in advance is rarely the way to make any money.
(2) what you'd put the rest of the money towards if you didn't pay off all your bills. ,…..
eg. if you're going to otherwise just fritter the $12k away and / or you're not earning anything else then pay off as much as you can of your current debts, non-interest paying in exception.
Either way, pay off the credit card (note, the real value in this is only if you don't take the same value off the credit card tomorrow or any time soon). (but don't necessarily cancel it….can be good for your credit rating if you keep it, even if you're not using it)
Second in line, pay off the unsecured loan.
For the car, assuming you still have the car and it's worth anything, then at least you have some security against the loan, and the rate is low, so low priority to pay off (go back to my two points at start)
For the hospital bill, unless it's affecting your credit rating or something, since you pay no interest on it…well, why would you put their cash in their account any quicker rather than keeping it in yours?
Jennifer Bland Answered:
I would pay off the car first since that costs you the most each month. I'd roll the $320 each month into a snowball debt repayment plan. The rest I'd pay off based on highest interest first. Why pay a bunch of interest when you don't need to.
1~Car
2~Credit card
3~Installment Loan
4~Hospital Bill
After those are paid off work on starting an emergency fund. You can even take $100 month while you pay off the debts and put it in an emergency fund so than when debts are done you have money in savings. Also don't close your credit card once it's paid off. Keep it open and charge maybe $20 month on it and pay it off in full each month. Still having payments will help your credit score.
I would pay off the car first since that costs you the most each month. I'd roll the $320 each month into a snowball debt repayment plan. The rest I'd pay off based on highest interest first. Why pay a bunch of interest when you don't need to.
1~Car
2~Credit card
3~Installment Loan
4~Hospital Bill
After those are paid off work on starting an emergency fund. You can even take $100 month while you pay off the debts and put it in an emergency fund so than when debts are done you have money in savings. Also don't close your credit card once it's paid off. Keep it open and charge maybe $20 month on it and pay it off in full each month. Still having payments will help your credit score.
Got a better answer? Share it below!
Categories: Loan Questions Tags: Hospital Bill, Jennifer Bland Answered
Should i sell my car?
isaiah davis Asked: Should i sell my car?
i drive a mazda 6 and my payment is 319.29 a month. I am now on ssd unfortunately and only get 1272 a month. Also my remaining balance is about 10,700.00. My monthly expenses are as follows,
installment loan – 169.19
credit card – 89.00 minimum payment
medical – 50.00
then there is food which varies month to month
i only pay 200 a month in rent atm thanks to friends helping me until i recover. This includes utilities. I am truly grateful and lucky.
also if i keep my car, my car insurance is about 140 a month. Very expensive. I looked at a lot of quotes, this is the cheapest thanks to my stupid decision to drive drunk one night and get a dui.
And that is about it. I may be able to get by just barely.
Any suggestions?
Answers:
Stephen Hastings Answered:
I understand you have bills everyone does. If your car is mechanically sound and you like it. Work it in your budget. that's my suggestion
I understand you have bills everyone does. If your car is mechanically sound and you like it. Work it in your budget. that's my suggestion
whocares Answered:
You may owe more than its worth which means you cant sell it without putting the difference up in cash.
You may owe more than its worth which means you cant sell it without putting the difference up in cash.
xxsatanicmechanicxx Answered:
Look at it like this – if you sell it, you will be lucky to get enough to pay off hte loan.That leaves you with no car at all.No way to hunt for a job, get to the doctor, etc.If you get more than the loan balance, it wont be much more.Then you have very little cash to buy an older, problematic used car.You will find repair bills to be more than your current car payment.
Look at it like this – if you sell it, you will be lucky to get enough to pay off hte loan.That leaves you with no car at all.No way to hunt for a job, get to the doctor, etc.If you get more than the loan balance, it wont be much more.Then you have very little cash to buy an older, problematic used car.You will find repair bills to be more than your current car payment.
As the first person said – keep it, work the budget – find a way to make a little side cash.You will be better off.
Got a better answer? Share it below!
Categories: Loan Questions Tags: