Do you mean you DID file BK, but, you're behind in car payments? I suggest you call the lender ( concerning the car) and see what you can work out. Sometimes you can make Interest Payments to catch up your loan.
To answer your query, I need two answers - Firstly, is your car debt included in the bankruptcy and secondly, have you filed Chapter 13 bankruptcy and making regular payments to repay off the debt. Now if your car loan is under the Chapter 13 bankruptcy and you are late for 90 days, you should immediately contact the creditor and inform them of the situation. However, if the car repayment is not included in the bankruptcy, then there is a possibility of repossessing your car. If this is the case, then you should pay off the outstanding amount immediately.
Hi Seknowles
You said that you have credit problems. Is it because you have late payments which you have not been able to pay back like your car payment as you said. If it is the case, then as Carol said, you should immediately take cash advance from your employer or your friend or take a loan and pay it off as soon as possible because all auto loans come under repossession agreement and you can lose your car if you fall behind your payments.
Since you have fallen behind your auto loans, there may be repossession of your car because the creditor may not accept the late payments and sell off your car to recover the debt. So you should immediately try and pay it off. If they accept even with late fees, you can save your car. Never try to make late payments on auto loan and mortgage loan. Now since you have already filed bankruptcy last year, your credit score must be very low and so you should start repairing your credit. For this you should start improving your credit history again.
If you filed for a bankruptsy you can not get it off your credit report for 7 years so my advice would be to find a way to catch up on these late car payments. If they rep[osses the vehicle it will look even worse on your credit and that combined with the bankruptsy can leave you with a real credit challenge and probaly unable to finanace another car if you let this one go back. I would catch those car payments up as soon as possible and maybe call the company or bank to see what they can do to help you.
Hey seknowles65,
The previous posts are asking the right questions. There is no good advice without good data so the sequence of events is critical to your ability to fix your problem. Was the BK a 13 or 7? Was the vehicle (s) included in the BK? Has the BK since been discharged? What is the reason your currently behind on the payments?
These are all important questions for the solving of your problem. Let me say this, it can be overcome with proper guidence and follow through. You can overcome your BK and these issues but you need to decide on what kind of credit life you want and start taking action now.
If you want to provide more info, maybe I or others in this forum can help.
Hello, MEETTHECREDITCOACH..............Welcome to the forum. I haven't 'seen' you on before. Well.........I would like to say I know I need some 'coaching' ( not that I'm NOT getting good advice on this forum..LOL). Back to the 'car late payment' thing. Sometimes lenders will let you make an % payment to bring your account back to 'current'. You might want to ask about that.
What are the difference between bank 7 and bank 13? I know they redid the laws or rules on one of them and I hear there is no such thing now of being forgiven on your debts. From what I have seen or read all debts must now be repaid and there is no more wiping the slate clean of debt. I too welcome you coach. Look forward to posting with you here.
A friend of mine is thinking about filing for BK. She went to a Credit Counsler to ask about her 'options', concerning BK......from what I understand, they din't really tell her much of anything. She is really confused. I don't know if you can STILL 'wipe the slate clean' or not. However.........there are alot of commercials, on TV, claiming you can. Any advice to give her?
Hello Guys. For the past 7 – 9 months, I have been battling with my credit score because it was very low and I wanted to buy a home. Until I met this hacker through a friend of mine. He removed all the negative items on my FICO report and increased my credit score from 461 to 785. I was really surprised that he helped me do it within 1 week, even though I doubted him at first. He got my report information and in 2 weeks my TU, EQ, EX, AND FICO was fixed. He is genuine and reliable.
Contact: PROHACK NETWORK
Email: PROHACK.NET@AOL.COM
Text / Call him on +1 (252) 307-3167
Hello Guys. For the past 7 – 9 months, I have been battling with my credit score because it was very low and I wanted to buy a home. Until I met this hacker through a friend of mine. He removed all the negative items on my FICO report and increased my credit score from 461 to 785. I was really surprised that he helped me do it within 1 week, even though I doubted him at first. He got my report information and in 2 weeks my TU, EQ, EX, AND FICO was fixed. He is genuine and reliable.
Contact: PROHACK NETWORK
Email: PROHACK.NET@AOL.COM
Text / Call him on +1 (252) 307-3167
Hello Guys. For the past 7 – 9 months, I have been battling with my credit score because it was very low and I wanted to buy a home. Until I met this hacker through a friend of mine. He removed all the negative items on my FICO report and increased my credit score from 461 to 785. I was really surprised that he helped me do it within 1 week, even though I doubted him at first. He got my report information and in 2 weeks my TU, EQ, EX, AND FICO was fixed. He is genuine and reliable.
Contact: PROHACK NETWORK
Email: PROHACK.NET@AOL.COM
Text / Call him on +1 (252) 307-3167
Hello Guys. For the past 7 – 9 months, I have been battling with my credit score because it was very low and I wanted to buy a home. Until I met this hacker through a friend of mine. He removed all the negative items on my FICO report and increased my credit score from 461 to 785. I was really surprised that he helped me do it within 1 week, even though I doubted him at first. He got my report information and in 2 weeks my TU, EQ, EX, AND FICO was fixed. He is genuine and reliable.
Contact: PROHACK NETWORK
Email: PROHACK.NET@AOL.COM
Text / Call him on +1(252) 307-3167
I really appreciate CONFIDENTIAL CREDIT SOLUTIONS for removing all the negative items on my report.
When I was applying for loans for my most recent investment property (my third property including my home),
my score was in the mid-400’s. I had 4 late payments, which hurt me dearly, but the lenders actually looked at my report and refused me a loan, so I emailed:CONFIDENTIALCREDIT2424@GMAIL.COM, he removed all late payments, and raised my credit score up to 785 in 2 weeks. I am indeed pleased.
You can call or text him via +1(289) 277-0463
I just want to show my appreciation to CYBER DONS SERVICES as promised for helping me fix my credit report.
I had an eviction, judgment and quite a number of other negative items on my report with a low 564 credit score. These prevented me from getting a mortgage until I contacted him. After he finished working on my report in no time, my credit score increased to 780, all the negative items on my report were deleted permanently and he added good stuffs (Mortgage tradelines, Installment tradelines, Revolving credit cards and Auto tradelines) on my report, I got the mortgage and I’m very happy. You can contact him for similar help because he is reliable and efficient in his job.
Email: CYBERDONSSERVICES@GMAIL.COM
Call: (323) 774-6800
I have credit problems.
credit
Do you mean you DID file BK, but, you're behind in car payments? I suggest you call the lender ( concerning the car) and see what you can work out. Sometimes you can make Interest Payments to catch up your loan.
To answer your query, I need two answers - Firstly, is your car debt included in the bankruptcy and secondly, have you filed Chapter 13 bankruptcy and making regular payments to repay off the debt. Now if your car loan is under the Chapter 13 bankruptcy and you are late for 90 days, you should immediately contact the creditor and inform them of the situation. However, if the car repayment is not included in the bankruptcy, then there is a possibility of repossessing your car. If this is the case, then you should pay off the outstanding amount immediately.
Hi Seknowles
You said that you have credit problems. Is it because you have late payments which you have not been able to pay back like your car payment as you said. If it is the case, then as Carol said, you should immediately take cash advance from your employer or your friend or take a loan and pay it off as soon as possible because all auto loans come under repossession agreement and you can lose your car if you fall behind your payments.
Since you have fallen behind your auto loans, there may be repossession of your car because the creditor may not accept the late payments and sell off your car to recover the debt. So you should immediately try and pay it off. If they accept even with late fees, you can save your car. Never try to make late payments on auto loan and mortgage loan. Now since you have already filed bankruptcy last year, your credit score must be very low and so you should start repairing your credit. For this you should start improving your credit history again.
credit
Just wondering: Who is your lender for your car loan, SEKNOW?
If you filed for a bankruptsy you can not get it off your credit report for 7 years so my advice would be to find a way to catch up on these late car payments. If they rep[osses the vehicle it will look even worse on your credit and that combined with the bankruptsy can leave you with a real credit challenge and probaly unable to finanace another car if you let this one go back. I would catch those car payments up as soon as possible and maybe call the company or bank to see what they can do to help you.
Hey seknowles65,
The previous posts are asking the right questions. There is no good advice without good data so the sequence of events is critical to your ability to fix your problem. Was the BK a 13 or 7? Was the vehicle (s) included in the BK? Has the BK since been discharged? What is the reason your currently behind on the payments?
These are all important questions for the solving of your problem. Let me say this, it can be overcome with proper guidence and follow through. You can overcome your BK and these issues but you need to decide on what kind of credit life you want and start taking action now.
If you want to provide more info, maybe I or others in this forum can help.
Chad Goehring
www.NeedCPR.com
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credit
Hello, MEETTHECREDITCOACH..............Welcome to the forum. I haven't 'seen' you on before. Well.........I would like to say I know I need some 'coaching' ( not that I'm NOT getting good advice on this forum..LOL). Back to the 'car late payment' thing. Sometimes lenders will let you make an % payment to bring your account back to 'current'. You might want to ask about that.
What are the difference between bank 7 and bank 13? I know they redid the laws or rules on one of them and I hear there is no such thing now of being forgiven on your debts. From what I have seen or read all debts must now be repaid and there is no more wiping the slate clean of debt. I too welcome you coach. Look forward to posting with you here.
credit
A friend of mine is thinking about filing for BK. She went to a Credit Counsler to ask about her 'options', concerning BK......from what I understand, they din't really tell her much of anything. She is really confused. I don't know if you can STILL 'wipe the slate clean' or not. However.........there are alot of commercials, on TV, claiming you can. Any advice to give her?
prohack network is the best in credit repair.
Hello Guys. For the past 7 – 9 months, I have been battling with my credit score because it was very low and I wanted to buy a home. Until I met this hacker through a friend of mine. He removed all the negative items on my FICO report and increased my credit score from 461 to 785. I was really surprised that he helped me do it within 1 week, even though I doubted him at first. He got my report information and in 2 weeks my TU, EQ, EX, AND FICO was fixed. He is genuine and reliable.
Contact: PROHACK NETWORK
Email: PROHACK.NET@AOL.COM
Text / Call him on +1 (252) 307-3167
prohack network is the best in credit repair.
Hello Guys. For the past 7 – 9 months, I have been battling with my credit score because it was very low and I wanted to buy a home. Until I met this hacker through a friend of mine. He removed all the negative items on my FICO report and increased my credit score from 461 to 785. I was really surprised that he helped me do it within 1 week, even though I doubted him at first. He got my report information and in 2 weeks my TU, EQ, EX, AND FICO was fixed. He is genuine and reliable.
Contact: PROHACK NETWORK
Email: PROHACK.NET@AOL.COM
Text / Call him on +1 (252) 307-3167
prohack network is the best in credit repair.
Hello Guys. For the past 7 – 9 months, I have been battling with my credit score because it was very low and I wanted to buy a home. Until I met this hacker through a friend of mine. He removed all the negative items on my FICO report and increased my credit score from 461 to 785. I was really surprised that he helped me do it within 1 week, even though I doubted him at first. He got my report information and in 2 weeks my TU, EQ, EX, AND FICO was fixed. He is genuine and reliable.
Contact: PROHACK NETWORK
Email: PROHACK.NET@AOL.COM
Text / Call him on +1 (252) 307-3167
prohack network is the best in credit repair.
Hello Guys. For the past 7 – 9 months, I have been battling with my credit score because it was very low and I wanted to buy a home. Until I met this hacker through a friend of mine. He removed all the negative items on my FICO report and increased my credit score from 461 to 785. I was really surprised that he helped me do it within 1 week, even though I doubted him at first. He got my report information and in 2 weeks my TU, EQ, EX, AND FICO was fixed. He is genuine and reliable.
Contact: PROHACK NETWORK
Email: PROHACK.NET@AOL.COM
Text / Call him on +1(252) 307-3167
i recommend confidential credit solutions, for credit repair
I really appreciate CONFIDENTIAL CREDIT SOLUTIONS for removing all the negative items on my report.
When I was applying for loans for my most recent investment property (my third property including my home),
my score was in the mid-400’s. I had 4 late payments, which hurt me dearly, but the lenders actually looked at my report and refused me a loan, so I emailed:CONFIDENTIALCREDIT2424@GMAIL.COM, he removed all late payments, and raised my credit score up to 785 in 2 weeks. I am indeed pleased.
You can call or text him via +1(289) 277-0463
Credit Repair
I just want to show my appreciation to CYBER DONS SERVICES as promised for helping me fix my credit report.
I had an eviction, judgment and quite a number of other negative items on my report with a low 564 credit score. These prevented me from getting a mortgage until I contacted him. After he finished working on my report in no time, my credit score increased to 780, all the negative items on my report were deleted permanently and he added good stuffs (Mortgage tradelines, Installment tradelines, Revolving credit cards and Auto tradelines) on my report, I got the mortgage and I’m very happy. You can contact him for similar help because he is reliable and efficient in his job.
Email: CYBERDONSSERVICES@GMAIL.COM
Call: (323) 774-6800