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Transportation

I Bought a Car With Bad Credit. Should I Refinance? – Joylynn

casual woman saving money

“Dear Steve, I bought a newer car in 2011. I am paying 8.61% because of past credit card problems. I couldn’t get a co signer so I just went with it. Now I have paid (on time 100%) on it for two years. I am now starting a good job and I want to refinance to get a lower interest ... Read More »

Collection Company Wants More Than We Can Afford for an Old Truck Repossession. – Bekki

tow truck repo

“Dear Steve, My husband & I had a 2002 Chevy Impala repossessed in May of 2007. At the time of the repossession we owed $8502.39 & received notice that the bank would sell our vehicle at auction. I later received a notice of sale stating that they sold a 2002 Chevy S10 pickup at auction for $3068.00 (which of course ... Read More »

My Motorcycle Was Stolen and Insurance Didn’t Pay. – Kim

motorcycle

“Dear Steve, I bought my first bike back in 2007. I was moving from the east coast of Florida to Gainesville so I went in to get the bike covered with insurance. This was my first time getting insurance by myself for anything, I was 19/20 at the time. My bike was stolen in Gainesville and when I make the ... Read More »

We Can’t Sell Our Car Without a Smog Certification. – Ashley

car broken

“Dear Steve, Looking for some advice on an upside down car. My hubby and I have a 2004 honda crv. the car is actually “technically” paid off, we have the pink slip, however we have a regular loan through our credit union with a payment of $341/month and a total balance of $8,000. So its not a car loan, but ... Read More »

Should We Sell the Jeep and Lease the Mercedes Benz? – Evon

A 2011 Mercedes ML 350.

“Dear Steve, Have a upside down car sitting in my garage and cannot decide which way is best to get rid of it? I have a ML 350 that I am leasing for $674 per month. My lease is up 3/15. My husband has a Jeep Wrangler that we pay $405 per month. He owes $21,000 on it. He had ... Read More »

I Bought a Truck With Bad Credit. How Can I Pay It Off Faster? – Rondell

credit good

“Dear Steve, I PURCHASED A MUCH NEEDED USED TRUCK FOR A NEW JOB THATS PAYING ME $60,000 A YEAR… I PUT A DOWN PAYMENT OF $1,500…THE INTREST RATE IS 18%…MY CREDIT SCORE IS VERY POOR (540)….MY NOTES ARE $425.00 A MONTH FOR, 56 MONTHS, HOW CAN I PAY THIS TRUCK OFF IN HALF THE TIME,OR SOONER AND WHAT IS YOURE ... Read More »

Back Property Taxes Building Up But Have a Chance to Work. – Linda

chalkboard

“Dear Steve, My disability income is $2200.00 per month. I am allowed to work without jeopardizing my disability income if the job pays less than 1000.00 per month. I just began looking for a part-time job. Should not be difficult since I have clerical skills and years of customer service experience. However, I have not worked since 2006. My credit ... Read More »

I Owe on a Car But Would Like to Settle the Amount Owed. – James

garage

“Dear Steve, I purchased a $16,000 car in 2007. I put $6,000 cash down, less than 60 days after I signed the contract the car starts swaying really bad due to worn out bushings in the suspension. I contacted the dealership, got an estimate for the necessary repairs($1,800). The dealership refused to even cover a portion of the repairs stating ... Read More »

How Do I Get TitleMax to Give Me My Title After Bankruptcy?

car broken

“Dear Steve, About 4 years ago I received a title loan from title max during that repayment time I lost my job and came down with some health issue which caused me to default on the loan. In 2012 I decided to file bankruptcy chapter 7. Now the motor has gone out in the 2001 Nissan Altima and now there ... Read More »

I Have a Repossession on My Credit Report. How Should I Deal With It? – John

car broken

“Dear Steve, Car was turned over for voluntary repossession in 2010 due to engine failure and inabilty to continue making payments on a car that would not run. Not scheduled to come off credit report until 2017. Balance is approximately $8300 on the loan. Original loan amount was around $15,500 from 2006. Should I attempt to settle this amount? Should ... Read More »

Santander Consumer USA Says My Car Payment is Late and I Say It’s Not. – Kelly

Car Payment

“Dear Steve, I live in Colorado and I have a car loan with Santander Consumer USA. My payment due date is the 15th of every month. Over the past 2 years I have been paying this loan 2 or 3 weeks late. There have even been quite a few times when I paid the note on the 14th of the ... Read More »

Will I Be Able to Buy a Car After Bankruptcy? – Gina

buying car

“Dear Steve, I am in the process of filing it will take place soon as I am done paying off attorneys fees , This is for a chapter 7..I got sick back in 08 and was unable to pay my credit cards ..so since then there are huge interest fees attached..and everything is in collections… I will want to buy ... Read More »

How Can I Take Care of My Tickets to Get My Drivers License Back? – Martin

ticket

“Dear Steve, The amount is as old. THe court will not work out payment aggrement. I live in AZ which limits my options. I have some tickets in almost $2000 and my liscense has been suspended untill they are paid in full. I’m in need of getting it taken care of it soon since i have a PT job pending. ... Read More »

What Can the Auto Title Lender Tell My Mom? – Cindy

auto title loans

“Dear Steve, I have an auto title loan in AZ. I am currently behind by one month and 1/2. My mom went into that place today and gave them my name. The auto title loan people pulled up my account and told them how many months behind I was and how much i owe them now. I thought in Auto ... Read More »

How Can I Get Rid of My Car I Financed? – Andrea

stressed-woman

“Dear Steve, I’m 22 , I made a bad decision to buy a car that was nice at first but not very accommodating. How can i get rid of my financed vehicle? I understand i may end up upside down on my loan but what happens after? how will this negatively (if so) affect my credit? Andrea” Don’t miss our ... Read More »

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