Filing chapter 7 bankruptcy??? PLEASE HELP?

Filing chapter 7 bankruptcy??? PLEASE HELP?

whats the chance of the judge denying a bankruptcy, i live at home and give my family cash rent buy food and stuff like that,, but whats killing me is a have a car loan i just got the car few months ago and the gas and monthly payments and making me loose everything……. thank you

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Is 2.6%APR good for a $10k new auto loan?
48 month finance
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“”Why have I been getting denied auto loans with credit scores of 759, 785 and 760?””
23 years old, unmarried. Never had a late payment, I’ve had credit since 18. All my credit are only from credit cards, which I owe less than 10% on all of them. My longest card has been open since 2007, the next one was open since 2009. I think a possibility of why it gets denied is my work history. I’ve only been a nurse at my current employer for 4 months. I calculated 48,000 a year income (since application wants annual income, so I had to calculate it). Maybe working 4 months isn’t long enough? Only loan approval I got was a conditional approval. I asked for 22,000 w/ chase auto loan and they approved me for only 14,900 with 3.19%apr. I know dealerships have closer ties with the banks and can work around that. If I went to a dealership, showed them that I got approved for 3.19% apr on a 48 month term for 14,900, and would like to see if they can match the apr for a 22,000, do you think the dealership might be able to do it? My current car, 2003 audi, is getting too expensive to maintain and the gas is ridiculous. I want a honda. But the audi was given to me as a hand me down, not my choice.””
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Will it be necessary for me to have a co-signer for a payday loan?

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Should I buy a car before or after filing bankruptcy!?
I’m probably going to be filing chapter 7 around the Aug. 1st. I desperately need to buy a car when school starts in the fall around Sept. 1st. I don’t have to worry about my credit rating as my uncle will co-sign for me. Should I postpone filing bankruptcy till after I buy the car or go as I had planned. Also, My uncle is requiring me to have $2,000 as a down payment. I have $600 in a 401k plan at work which I want to liquidate which I wanted to use. Could this have consequences in court. What if i liquidate it and never report it. PLEASE HELP?!?””
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Me and my husband are separated. Can I file bankruptcy without using his income?

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How to get a payday loan?
I’m really lost I keep getting denied for payday loans and it seriously is annoying when I only need 200. That’s it. What is a site that is easy and doesn’t involve long conversation with customer service reps and will just give me my money and let me pay it back at the end of the two weeks minus all the drama and crap. PLEASE help!!
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How can I find out the status of a bankruptcy claim for unpaid wages?
I am wondering how I can find out the status of a claim for unpaid wages for a company that has gone bankrupt? I doubt anything will be paid but I was wondering if there is a way I can confirm this.
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When filing singly for chapter seven bankruptcy does the income limit apply to you only or you+your spouse?
Ok, thanks Spifiman. Have a good one.””
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“”I’m looking for bad credit personal loan. Because of recent loan scam, I’m even more desperate. Advice?Help?””
FICO score in the 500’s. This is because many different loan inquiries at once, and slow/late payments because I’ve fallen behind. I spent most of my savings on fulfilling my dream of starting my own business. I work full time at a pediatric hospital and as an internet entrepreneur. I make good money, but am plagued with bad credit and I don’t own a home, though that is a future goal. I desire a loan to pay bills and finance home businesses. Previously I’ve been caught in the payday loan trap and borrowed against my retirement. These sources have only helped briefly and basically I need a larger amount ($10,000–15,000 USD) with an interest rate of 18% or less that’ll allow me to consolidate/payoff high interest credit cards/loans and buy some much needed equipment for my home businesses. If anyone can offer advice or help and please don’t be a scammer, then I’d like to hear from you. Thanks.””
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Need help about a payday loan?
i got a payday loan couple months ago from a cash store i havent really gotten things in the mail to tell them to pay me back but havent taken it out of my account yat, will i have to go to court if i dont pay it back? its $200 something””
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What’s the adult webcam website that gives free credit (not requesting my credit card or other stuff)?
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“”I want to transfer money from credit card to my debit card,can i then withdraw cash from my debit card?””
the credit card has 15 moths free balance tranfer offer,so i need some cash in advance,so can transfer the money and then can i withdraw the amount which i need?””
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“”Who is the best for small loan, cash/payday advance?””
I recently started a new job and I’m starting on a new payroll term. I won’t get my first check for a couple weeks and the holidays left me a tad strapped. I’m looking to borrow maybe,200–300 bucks from a ‘cash advance’ type place. There’s so many out there I was just wondering who is the best and most fair. Thanks a ton!””
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What website can you check your credit for free?

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How long do I have to add creditors to my bankruptcy?
I filed Chapter 7 in April and had my meeting of creditors (341) last Thursday. How long do I have to add creditors to my case and will that delay my case if I do?
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What’s the best website to get an online loan?
Please, don’t express your opinion on how bad of an idea online loans are, because I already know.. but I’ve got my back against a wall right now and I need $500 by tomorrow in order to not see my wife and son homeless.. I’m in the Navy so I make enough money, it’s only the timing of this whole catastrophe… I’ve got no options left.””
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What is the statute of limitations for money owed on a car loan?
Had a Honda Civic about 15 years ago, it was repo’d and then sold at an auction. But I still owed $3,000.00 on it, which at the time I did not have. I had forgotten about it until a week ago when they started calling me again. I know I owe them the money, but after so many years can they still try and collect?””
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How can I get my credit report online for free with out using a credit card?
Is it necessary to provide all credit card details or can i get the information without providing credit card information free from sites
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Can I switch the name on my car loan to my boyfriend’s?
I put a car in my name for my boyfriend with the agreement that he will make all the payments. Now every time we fight he threatens to stop making the payments because he knows I can’t afford them and getting it repo’d would screw with my credit score. So is there a way that we can switch the loan off of my name and into his so he can’t threaten me with it anymore?
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Pay off Auto Loan or Not before applying for mortgage?
Hi all, I have an auto loan with only about $2300 left on the balance. My monthly minimum is $61. I have the cash to pay it off. I plan on applying for a mortgage within the next 4–8 months and am wondering if I should pay it off or not? My thoughts are If I pay it off, I will have less debt and it will help with the max loan amount (not sure how it works in with only the $61 monthly payment. OR If I pay off this installment loan. does it count as closing an account and result in lowering my credit score? Or does it raise my score because I payed it off? Thanks in advance. I really appreciate it.””
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How can I buy a home without credit/good credit? Please help me.?
Hello. I am 28 years old. I have been divorced for a couple of years now. The home I currently live in is a mobile home with 3/b 2/b. I have lived here for 8 years. When you break it up, 8 years at $525.00 a month for something I will never own adds up to a lot of money. I also pay all of my own utilities including natural gas. I have never been late on rent. I have never been late on a utility bill. I have purchased 2 cars with cash. I have never had a credit card. What do I do? I need a home. I have thrown out so much money twards rent it makes me sick but I can’t get anyone to help me or even consider to help me get a loan. I have tried real estate agents, I have tried mobile home places but to no avail. The only thing bad I have as far as I know is medical bills but I am paying on them. I just need to stop throwing away money every month so I can build a better future for my little girl and I. Please, if anyone has any advice it would be great.””
“Filing chapter 7 bankruptcy??? PLEASE HELP?

whats the chance of the judge denying a bankruptcy, i live at home and give my family cash rent buy food and stuff like that,, but whats killing me is a have a car loan i just got the car few months ago and the gas and monthly payments and making me loose everything……. thank you

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Where can I get a free credit report online?

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Battlefield 3: What is the best US and RU Assault Kit setup?
I am fairly new at this game and I was wondering what you guys out there had for your RU Assault Kit and your US Assault Kits. I would like for you to answer the question like this: Primary Weapon (with the attachments): Sidearm: Gadget 1: Gadget 2: Specialization: I am looking for what class works best for you Battlefield 3 gamers out there. Which setup you think is the best. Thanks in advance.
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I have a problem in math i cant solve?
ok so the problem is: Jenny took a cash advance of $250 on her credit card. The interest rate was 1.5% per month. after 8 months, she paid back the cash advance. (a) How much interest was Jenny charged each month? (b) how much interest did Jenny pay altogether?””
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Personal loans?
i live in the US and i have already tryed the payday loans
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I have an accountnow debit card / checking account…can you get a payday loan with this?
Well I got a voided check to give to an employer to direct deposit my funds.. i was just wondering if I could use the routing number and account number to get a loan
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Can you use a credit card gift card (AMEX or VISA) in a Casino in Vegas to gamble?
My friend is going to Vegas for a birthday, but I don’t want to give her any gambling money and want to make sure I give her something she spend other things (Food, Hotel, etc.)””
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How can I get my free credit report? My search resulted in many sites all wanting money to have a subscriptio
Several sites are freecreditreport.com”””” This is confusing.””””””
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Question regarding education loan?
If I take an education loan while in India and then go out after finishing the course, can irepay my loan from outside India?””
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On bankruptcy need some advice?
my mortgage debt is about 123,000 and my equity line of about 150,000 plus credit card add a 40,000 what chapter would be the most adecuate to fill for bankcruptcy my income decrease severaly through last 5 years and I had to use the equity line to make my house payments, it just that I cant sosteain this situation anymorre””
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Should I refinance my auto loan again?
I recently (about a week ago) refinance my 6-year 21% loan to a 4-year 11.5% loan. I did i through a credit union and at a higher than prime rate because I don’t have much credit and/or high revolving balances. My question is, in about a year, should I refinance again through the same credit union for a 3-year loan? I will probably get a little better rate. The only thing is, we are hoping to not have the car much longer than another year. If we trade it in, I will owe about 1500–2000 over trade-in value. I know, paying more every month is an option, but just not feasible right now. Any suggestions?””
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Is Discover student loan government backed?
Hi. unfortunately i cant pay my student loan.If i file bankruptcy,can i get rid of private student loan? Additional: My student loan is with Discover student loan. Thanks.””
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Should we file bankruptcy with our S corp?
We are forced to close our business due to losing our main customer. We only owe one very large bill which is to an attorney whom we have already paid a lot of money to. We do not have the money to pay him after paying employees and contractors. Would we have to file bankruptcy? or if not, will we some how still have to pay him even after we close our doors?””
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What is the best lender to choose for a mortgage in Florida?
It is so hard to pick a mortgage lender. They can only give you a range of interest percentages. You don’t know the rate til you commit to them after you have already paid the application fees. What is the best lender in Florida for would-be homeowners?
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The songs on megamind?
can you name every song that was on the movie megamind? there was one song on there that was also on iron man,i want to know what its called! thank you!””
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What is a good auto loan interest rate?
I’m planning to buy a 2005 Nissan Altima for $8500. The dealership is still running through their banks to find out what my payments would be and stuff. I’m also checking with my own banks, and my parent’s credit union to see what I can get. I really have no idea what I should be looking for in an interest rate. I don’t know what’s too high, or what is ideal. Of course I’m going to go with whatever is lowest out of the banks, but I want to know what to expect before I sign those papers. What should I expect for an interest rate? I owe almost $3000 on my credit cards. I have a $5000 student loan that I haven’t started paying yet (because I’m not done with school) and my credit score is almost 650. What’s a good rate and what should I expect?””
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“”Who can I call that would be willing to re-finance my very high interest auto loan, with my bad credit?””
I recently bought a car, and had to take a loan with an interest rate of 24.99%. That means that I’m going to pay double for my car once its payed off. I’ve been hearing that I can try refinancing after 6 months of on time”””” payments””
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Does your bank quote a real or nominal interest rate when you take out a home loan? Which is more important f?

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“”First time home buyer, should I use a mortgage broker or go directly to a bank?””
Responding to the answer from Landlord””””.. the mortgage broker is requesting the $450 fee be paid up front””
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What’s the best use of my money: to pay off a mortgage sooner or to invest in the money in the stock market?
Hi, guys im 21 and I just bought $ 80,000 small house four moths ago, and I would like to know what is better to pay extra payments to pay off the mortgage ASAP, or to pay the regular payments and the rest to invest it in the stock market or any other investment. The reason is that after 30 years im going to end up paying more than 288000, but if I paid sooner ill save hundreds thousands. In the other hand if the rest of the money I invested I can get a higher % gain, but is not secure. What do you guys believe is the best use that I can give to my money? Please give me your opinions, and ideas. Thank You.””
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#repost

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What is the max interest rate I can be charged for an auto loan?
And what is the max I can be charged in the state of NJ?
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How can I sell my car while doing seller-financing?
I am trying to sell my vehicle. Surprisingly all the customers that I am getting so far are asking me to finance. They want to put about half the amount down and then make monthly payments for the rest of the amount. I was wondering if I go for it, what kind of paper work would be needed. I own the car and it does not have any lien on it currently. So I have the clear title with me. I see that there is a Lien holders entry in the title application form. I am guessing I should write my name there. Does this mean that the DMV will send me the new title since I am the lien holder? Also do I need to create a promissory note or something for the rest of the amount. Also should I go and get the title application submitted myself or just hand over the completed title application form to the buyer and have him submit it? Is there any other paper work involved? Any help will be appreciated.””
“Filing chapter 7 bankruptcy??? PLEASE HELP?

whats the chance of the judge denying a bankruptcy, i live at home and give my family cash rent buy food and stuff like that,, but whats killing me is a have a car loan i just got the car few months ago and the gas and monthly payments and making me loose everything……. thank you

“
What are your thoughts on Bankruptcy? How was your experience?
Thinking about all the new bankruptcy cases now that our economy has gone down the drain, I’m sure allot of people who had no way out filed. If you have filed in the past, how soon did your credit recover? How do you rebuild your credit? What do you recommend for those thinking about filing?””
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Can a credit union force car insurance on an auto loan after financing has already been established?
They tacked on an additional @$2700 onto my loan and since that time my car payment went from $350 a month to $700 a month. Before this happened, my credit was good, and since after that time my credit changed drastically. I’ve been told that this may be illegal. If anyone has info, please let me know. Oh, and this is in CALIFORNIA. Thanks!””
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How to use my parents credit card without getting caught?
I have all the info for the card, and I really want to order stuff online. I have been DYING for this one little thing that is like 20 bucks. My parents are pretty wealthy, so will they just look over it? My dad always pays the bills on the weekends, and I would think if he saw it he wouldnt say anything because he would think my mom bought it for me. I could have it sent to my friends house too. Do you think I could do this without getting caught, or will they write me out of their will…?””
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Can a 19 year old get a $5000 loan?
im trying to get a car so i have a ride to work in stead of relying on friends
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How do I calculate the annual rate of change (percent change)?
For example, what is the annual rate of change for for the following data set: 54.0, 59.1, 62.7, 65.2, 67.7, 69.7, 71.2, 73.2, 75.7, 78.6, 81.6? Represents years 1970–1980.””
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Where can I find a small loan that is not a payday loan??
I have many medical bills. I am in remission from stomach cancer and my credit is horrendous. If there is anyone that can help me out with my options on obtaining a loan, that would be greatly appreciated.””
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What is the difference between apr and annual fee for credit cards?
if annual fee is how much your paying annually then what is the apr im new with credit cards and i have no clue what the terms mean
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Buying my first home?
I am frankly tired of renting homes and would like to buy my first home. How much income would I need to make? How does a mortgage work & how much/often would I need to pay on it?
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Interest rates on Car loans with bad credit in Australia?
Hi there, I defaulted on my car loan 6 years ago, I paid off the debt 2 months after I defaulted. I do not have any other debts as I was a bit scarred after the experience. I now desparately need a new car as my present one is almost dead. Does anybody know whether it is at all possible for me to get a car loan with a default? If so what type of interest rates am I looking at?? Your help is greatly appreciated.””
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#repost

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Can i do my own chapter 7 bankruptcy?

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How do you get credit?
I need to establish some credit. I am pretty sure it’s more than just signing up for a credit card and all that. I know I know I feel a little foolish by asking this. So what is the fastest & best way to establish credit?
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What is your current interest rate on your home loan and auto loan? ?

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California bankruptcy and divorce — and our house?
We filed bankruptcy (Ch 7) while married and now filed for divorce. How does it work with the house if it was included in the bankruptcy? I am modifying the loan so I can stay in it with the kids and now he says he will not sign over title. So the court awarded the house to me (which is upside down about $100,000) and an Elisor to sign the title over to me. But now his attorney is wanting to know what kind of equalization payment we can work out? I know CA is a community property state, but since we filed bankruptcy does he still have a right to any equalization on a house that is not worth anything? Or does bankruptcy forfeit his right to that?””
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How do you restore bad credit?

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How can I get someone rent a house to us with bab credit?

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Who won the band contest for the free credit report . com?
i went on the website but couldnt get an answer! haha
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What’s my state/province if I live in Bristol?
Avon is not an option there either
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How can I start my credit if I’m not eligible for any credit card?
I’ve already applied to Capital One, Chase, Discovery, and Citi Bank. None of them has given me a reason why they can’t accept me, save for Discovery, who told me that i have Insufficient Credit History. So how can I start good credit if I fail applying for every credit card there is? PS. I have even tried getting a free credit report and my only trial didn’t happen because something was wrong with my credit.””
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Could i get a home loan with a credit score of 587?
i am a first time buyer, i am looking to buy a home at a price range of a 100 to $125,000.00 i make around 2000 a month i am single, no car notes, no major bills. (but cell phone bill) i am 22 yo. I am willing to put a down payment of around 4000 dollars. my parents both have a credit score of 750+ and they are willing to co-sign for me the only thing is that they already own two properties. do you think any bank will approve me right now??””
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Payday loans? I had bad loans before?
I had a few payday loans before and messed them up and had to file bankruptcy so now I am having a hard time finding one again. I have a good job now but my car broke down and I need a payday loan, are there any payday loan companies online that wont look at my last payday loan experience? Thanks””
“Filing chapter 7 bankruptcy??? PLEASE HELP?

whats the chance of the judge denying a bankruptcy, i live at home and give my family cash rent buy food and stuff like that,, but whats killing me is a have a car loan i just got the car few months ago and the gas and monthly payments and making me loose everything……. thank you

“
Has anyone heard of I3 Lending mortgage company?
They have offered me an excellent rate (3.5% with 3.5% APR and our lender fees of $1695 and appraisal fee of $400 would be credited to you by us if rates stay the same””””) but I can’t find any reviews on them. Let me know what you think of them!””””””
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How will not paying affect my credit score?
So I’ve recently had a spell of bad luck by way of getting into debt for stupid reasons. First off I recently had to go to the emergency room and ultimately have surgery without insurance and ran up a 16000 dollar hospital bill. Secondly I sold a car about a year ago and didn’t notify dmv of the sale so I got a bill for 1600 from a tow company today since I’m still the registered owner. I really can’t do much about it since I can’t find the bill of sale so I’m stuck with the bill. Anyways the hospital keeps sending me letters for the balance and probably will for some time. If I ignore both of these debts how will it affect my credit score? Am I better off claiming bankruptcy or doing nothing at all? Any input would be appreciated. Thanx
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“”Need to find my annual real free credit report”””” for SC?””””””
I am told that according to SC state law I am allowed 1 free credit report per year, however I am having trouble obtaining it without use of a credit or debit card. This is supposed to be free so why would you need one right? Can anyone tell me what website I could obtain this information or a different route to obtain it??””
“”
Has anyone heard of this thing call 321 Rebuild?
I am trying to reestablish my credit after a unwanted bankruptcy. My daughter needs a car and I’m finding it hard to get financing. I received this form in the mail about this company call 321 rebuild that states they can get you prequalified for an auto loan. I have tried to google a review on them but nothing seems to be turning up. Anyone used this company?
“”
What kind of credit score would i need?
to qualify for a $17,000 auto loan?””
“”
Can I file for bankruptcy that will only affect the medical bills that have bent sent to a collection agency?
I am a college student. I work part time and live in an apartment on my own. My campus care insurance refuses to pay my medical bill because I went to a different hospital than the school one. I cant afford my medical bills and keep my apartment. I have no family to go to and live with. I have a credit card out and Im in good standing with them. Im trying to find out if I can file for bankruptcy that will only affect the medical bills that have bent sent to a collection agency? Please, any information will be greatly appreciated.””
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I want wich one is best credit card details?

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How do I find local businesses that have gone bankrupt?
I’m currently doing some research on my local area (Western New York) and trying to find businesses that have gone bankrupt and are no more. The purpose of this is to analyze their strategic roles so I can depict how I would have handled the business to steer it clear of bankruptcy. Where would you look to find some businesses?
“”
I need a quick payday loan as easy as wonga?
I’ve a small loan out on wonga atm and I’ve another bill out ill have no prob paying back but I need another easy lender
“”
How can I settle my credit card/personal loan debt?
I have credit card/personal loan debts and looking for a lumpsum settlement. Due to financial problems I’m not paid last few EMIs.
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Is it safe to put your signature online?
Is it safe to upload your signature online? I’ve seen signatures on email newsletters and things but is it safe?
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#repost

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I am on the deed but not the mortgage to my house?
My husband makes quite a bit more money than I do, probably five times more money than I do. We both contribute to the household but obviously, he pays the majority of the bills since he makes so much more. He tells me on a daily basis that this is HIS house, HIS electric, HIS cable, etc., etc., etc and that I am his tenant and I am renting a room in HIS HOUSE””””. I work at home and basically am confined to one room in the house. If and when we do get divorced””
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Best way to foreclose on house?
A few of you mention filing bankruptcy as a main option. To me, I believe this is a bad idea, because the only debt I have is my home. All my credit cards and other bills are completely paid for. Also to file bankruptcy requires legal fees which I dont really want to pay. Also some people mention that I should just stay in the house, but I am changing colleges in the fall and I am trying to move closer to school if I can. The difference in distance is about 20 minutes, but that can add up over the course of two years of driving. I am just trying to move on and forget about this house. Thanks again for all your help so far.””
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“”Is there a place I can view my credit score for free? My reports I have seen, but they all want $ for score.?

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Why is it important to know the interest rate on your credit card?
Why is it important to know the interest rate on your credit card? The higher the interest rate, the more money you will be paying back The higher the interest rate, the less money you will be paying back The lower the interest rate, the more credit you can open The lower the interest rate, the more money you can spend””
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Currently in chapter13 bankruptcy can we refinance our home and the bankruptcy?
we have a mobile-home double wide looks like a modular has a 5/12 roof pitch if that makes a difference.
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Can a stay-at-home mom receive a mortgage loan?
I am a stay-at-home mom with no monthly income. My husband was froze out of his small corporation and had a few late payments on our previous mortgage which hurt his FICO score (we also have no revolving credit which doesn’t help). My FICO scores are high enough for mortgage standards. Could I obtain a mortgage with no income if I obtained it with the premise of renting it (to my husband)?
“”
Is Two Minutes Too Short For A Best Man’s Wedding Speech?
I have been working on this speech for several days and I thought I was finally done and where I wanted it to be.However, when I practiced it, it is only about 2 minutes long. My brother, who is the groom, said that is fine but that just seems so short. Is 2 minutes unusual?””
“”
Buy a house with cash or a mortgage?
I should have a pretty good amount of money saved up in the next couple of years. Should I buy a house with a mortgage and already 50% paid off, or just wait until I can just buy one with all cash? I know mortgage’s are good for your credit rating, but mine’s already pretty good and you waste a lot of money with the interest on a mortgage. What do you think?””
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Can sumone come to your job and arrest u just because you owe a payday loan?
I had a guy call my job threaten me saying he was going to come to my job & invest me and have me arrested because I owe money for a payday loan.I intended to pay it back but now I am unable to..the guy said I will go to prison for two years then end up owing 8,000 dollars please help..I’m being harassed at work wit phone calls.””
“Filing chapter 7 bankruptcy??? PLEASE HELP?

whats the chance of the judge denying a bankruptcy, i live at home and give my family cash rent buy food and stuff like that,, but whats killing me is a have a car loan i just got the car few months ago and the gas and monthly payments and making me loose everything……. thank you

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