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Tag Archives: car loan

How to Get a Car Loan After Bankruptcy

buying car

Buying a car can feel stressful enough, but when you have been through bankruptcy it may feel downright terrifying. No matter what the circumstances that led to your filing — large medical bills or a job loss, for example — you probably feel embarrassed and afraid that no one’s going to want to give you the time of day, much less a ... Read More »

    Help! I Just Bought a New Car, Then Was Denied for the Loan

    Unless you are on fire, taking a day or two before you take action isn't going to change anything.

    Ivory, one of our readers, bought a car at a dealership and drove it home. Fifteen days later, she received a letter saying that the loan had been denied. Here’s her story: Me and my mom were approved for an auto loan on 1/27 we signed all the paperwork even got the car payment bank notes in the mail. And ... Read More »

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

      Ready to Collapse

      “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 »

        My Husband Deserves a New Truck. How Do We Get the Bank to Lower the Rates? – Dena

        Ready to Collapse

        Dena “Dear Steve, My husband bought a 07 Chevy truck he went to the bank with $9,000.00 cash money, he purchased a 07 Cheey Silverado with low mileage, which we have discussed however, when he visited the loan officer at the Bank she gave him a high interest rate with a Bank that would finance him because HE DIDN’T HAVE ... Read More »

          I Can’t Figure Out My Chapter 13 Bankruptcy Payments – Helpless

          Ready to Collapse

          Helpless “Dear Steve, Brought 3 cars in 2 weeks in 2007. married truck driver. Job closed 1 year 2 months ago. New job less than half the income. 5 kids. parents took over 1 of the cars and the payment. bad credit. My wife and I went to a lawyer to file chapter 13. Altogether we pay about $1300 in ... Read More »

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

            Ready to Collapse

            “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 »

              Repossession: Why It Happens, What You Can Do, and Your Rights Before, During and After

              Ready to Collapse

              If you fail to make payments on a car loan, or anticipate a problem paying in the near future, you should be familiar with the process of repossession and what rights you may have. This article will cover your rights before and after repossession, starting with the security agreement you signed when you bought the car and ending with your ... Read More »

                The Car Lender Agreed to One Thing and Then Went Back on It. – Nicole

                Ready to Collapse

                Nicole “Dear Steve, OKAY HERE IT IS…I had a payment arrangement with wachovia dealer services and they went back on there end..i spoke to Michael Tucker who told me if i cleared $690.00 by the end of jan my account will be fine and just start making regular payments and i will be ok..well i made a payment on jan22 ... Read More »

                  I Have Bad Credit And I Want Good Credit. – Jamie

                  Ready to Collapse

                  “Dear Steve, I’m a 22 year old new grad from nursing school. Throughout my 4 yr college career, I acquired my debts including closed credit card accounts and a delinquent checking account from about 5 years ago, which were all eventually sent to collections agencies. Now that I have graduated and am making a pretty good living, I am looking ... Read More »

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

                    Ready to Collapse

                    “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 »

                      I Don’t Want to Go Bankrupt for an Old Car Loan Debt.

                      Ready to Collapse

                      “Dear Steve, I’m 20000 in dept (Car loans ) my wife no longer works , I don’t make enough money They want to much and said they would sue one already has. We already retained an attorney we don’t want to go bankrupt I don’t know what else to do.” You have a few choices: Pay the debt in full. ... Read More »

                        I Have 4 Years Left on My Car Loan And I’ve Got Problems With My Car. – Ketra

                        Ready to Collapse

                        “Dear Steve, Upside loan – undiagnosable issue with car – remaining 4 years to pay off 17k I purchased my 2005 Jetta in 2007. As of now, I had no major issues. Recently it began making a large grumbling noise. I first took it to a specialist, and then was recommended to take it to a dealership service shop. The ... Read More »

                          Kurt is Upside Down In His Mitsubishi Endeavor Car Loan And Wants Out

                          2006 Mitsubishi Endeavor

                          Kurt “Dear Steve, I have a 2006 Mitsubishi Endeavor that i just purchased in June of 2008, I want a truck so I have the box to carry bikes, sleds, and home material like lumber, etc. It suits my work life much better than a SUV. I owe lots of money as I traded in a truck for a Mitsubishi ... Read More »

                            I Have a Mercedes Benz I Can No Longer Afford. – Torey

                            Ready to Collapse

                            Torey “Dear Steve, i have an mercedes i ve been have ing it for about a year and i have an high intrest i got it for 24,000.00 and now i owe about 20,000.00 but the pmt is high and i trying to get the pmt down. ive trade to trade it in the don’t want to give me much ... Read More »

                              I Have a Bad Credit Report. What Can I Do? – Connie

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                              Connie “Dear Steve, Even though, my credit is bad, I do have some good credit references. Everytime I apply for a consolidation loan, or whatever I am always turned down I know my score is bad but they always need that credit report. How can you help, a consumer even though there credit report is bad? Connie”   Dear Connie, ... Read More »

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