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Tag Archives: auto loan

I Co-Signed for My Daughter’s Car That Was Repoed. But the Lender Won’t Accept a Settlement. – Carmen

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“Dear Steve, I co-signed for my daughters car loan. She lost her employment at almost the same time I lost mine. The company called me a I returned the car back to them. After that I called to settle the account and they ignore all the letters, faxes and telephone calls. They want to settle for $9000.00. I do not ... Read More »

Dave is in a CCCS Credit Counseling Program But Feeling Hopeless

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“Dear Steve, Family of 4 (13 yr & 12 yr girls). My salary = $112K, wive’s salary = $40K. Total Assets $292K (liquid $10K, autos $9, house $200, 401K $73K). Total Liabilities $204K (mortgage $112, home equity loan $41K, credit cards $24K, 401K loans $22K, auto loan $5K). Net worth = $88K. . .plummeted 35% in last year. How did ... Read More »

Two Months Late on Car Payment But Want to Avoid Repo. – Linda

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“Dear Steve, I am two months late on my car payment, and I can’t afford to pay it. I have done refinanced the car last year so they won’t be able to do it again. I just deferred two payments back about 3 months ago, so trying to defer a payment is out of the question. I don’t know what ... Read More »

If I File for Bankruptcy How Can I Go About Getting a Used Car? – Miss M

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“Dear Steve, If I file for bankruptcy, how can I go about getting a used car? That is, if bankruptcy can clear the debt I owe with my current car note. Am I able to refinance or get approved for another loan if I’m looking to trade-in my car with a negative turn-over balance? I was thinking about turning in ... Read More »

Lower Your Car Payment. Skip It, Lower Your Interest Rate and Get Cash Back

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Here is a little financial tip that I’ve used in the past but I keep forgetting about. Refinancing an existing auto loan to lower interest rates and monthly payments. I just got an email that a client was instantly approved for an auto loan refi and that’s good news. You see when this particular person bought their car their credit ... Read More »

Indiana, Michigan, and Kentucky – Worst Places for Auto Loans in 2010

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TransUnion released its annual auto loan forecast today indicating national auto loan delinquencies (the ratio of borrowers 60 or more days past due) will increase approximately 7 percent at the end of 2010 to 0.92 percent from an expected 0.86 percent at the conclusion of 2009. Only one state – California – is expected to see a decline in auto ... Read More »

Can I Get My Bank to Reduce My Car Loan Interest Rate? – JT

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JT “Dear Steve, At this moment, I am paying high interest on my car loan? Do you think I can get the bank to reduce the interest even if my credit score is bad? JT” Don’t miss our free Get Out of Debt – “How To” Guide Series on a number of topics, for loads of practical advice, tips, and ... Read More »

I Can’t Get a Car Loan Because of a Past Bankruptcy – April

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“Dear Steve, My husand over 10 years ago got appendicitis with no insurance. The hospital wasn’t happy with the small payments hubby was making, so they hired a law firm. The lawyer for the hospital wanted him to start paying $170 a week when he was only making like $260 a week in a factory. Hubby had no choice but ... Read More »

James Wants to Know If Capital One Will Take His Car If He Stops Paying His Credit Card

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“Dear Steve, I can not pay my credit cards,because of sickness. I have a auto loan with Capital One and a credit card with them as well. If I just pay only my auto loan on time each month and stop paying on the credit card, can they touch my car because I pay one and not the other. James” ... Read More »

Dayna Can’t Afford to Keep Her Car Or Get Rid Of Her Car, Even By Repossession

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Dayna “Dear Steve, I have an upside down auto loan that I owe about $27,000 on a Mazda car and my monthly payments are $500 per month for 7 years with about 12.45 percentage interest rate. I am unable to refinance my auto loan because my credit is not that good and I owe too much debt. I am trying ... Read More »

A 12-Step Plan to Get Out of Debt Fast!

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Debt is a major problem for a lot of people these days. The problem is, even if they know they want to get out of it, they have a hard time figuring out how to start. If you fit this description, this 12-Step program spells it out for you. Now, there isn’t one way to get out of debt, and ... Read More »

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