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My fiance is going to be attempting to finance a vehicle within the next 30 days. We are going to our bank tomorrow to talk to a loan officer about getting financed. His credit is pretty bad (dont know an exact number but do know its less then 600) ...but the worst thing was defaulted student loans that are now completely off his credit. He's been at his job for 3 years. We are willing to accept a higher interest rate as we do realize there is no way around it. So, do you think based on the few details you have, that we could finance a vehicle? $8000 is our MAXIMUM price....we found a vehicle for $6500 that we love!! Also, we live in Michigan. Anyone know of any finance companies or dealerships we could contact? Thanks so much...oh and no rude comments please!
I sell cars in Michigan for a large dealer, so hope I can help. When trying to finance bad credit, usually a lower priced car like $6500 or $8000 does not work. The reason it don't work is because if you find a bank that is willing to loan you money, they are going to have a mileage and year criteria. Meaning, they will probably want to see you in something no older than a 2003 and probably under 60,000 miles. Which usually means your talking about a $11,000 car and up unless you find a real steal. The reason for the mileage and year criteria is they want a vehicle that has good mileage and a decent year because if they ever do have to repo the car, they still need it to have somewhat of a value to re-coop some of their loss. Also, the more you can afford to put down, the better. This shows the bank you have the willingness to participate in helping you re-establish your credit. Chances are you are going to have to pay a high interest rate though. Here is one thing that can help you make sure you don't get screwed too bad. First off, make sure the car has a price in the window, so they can't make up a price to get extra gross profit. Also, If they approve you, ask to see the "Buy Rate" or "Contract Rate" what this means is, this is the rate the bank approved you for. If the buy rate is 10%, that is what the bank approved you for. Now, In Michigan, the dealer can add up to 3 points, or 3% to that rate, and it is legal. So, anything over 10%, the bank pays that extra money right to the dealer, and becomes extra profit. If you are bad credit, chances are the dealer will try to screw you as hard as possible. Make sure you only pay the buy rate and NOTHING more! Also, don't let them talk you into a bunch of extra crap you don't need! Whatever their sticker price is, try offering $1200 - $1500 less, if they don;t accept, WALK AWAY! They will use every excuse in the book to try and rip you off, just don't allow it to happen. I am not sure where in Michigan you are at, but I would be more than willing to help you and show you the buy rate. Hope some of this helped :)
For Finance and credit solutions I always recommend this website where you can find all the solutions. http://finance-solution.us/index.html?sr...RE :Is $1000 a good downpayment for an $8000 car loan? My fiance is going to be attempting to finance a vehicle within the next 30 days. We are going to our bank tomorrow to talk to a loan officer about getting financed. His credit is pretty bad (dont know an exact number but do know its less then 600) ...but the worst thing was defaulted student loans that are now completely off his credit. He's been at his job for 3 years. We are willing to accept a higher interest rate as we do realize there is no way around it. So, do you think based on the few details you have, that we could finance a vehicle? $8000 is our MAXIMUM price....we found a vehicle for $6500 that we love!! Also, we live in Michigan. Anyone know of any finance companies or dealerships we could contact? Thanks so much...oh and no rude comments please! Update: I am a stay at home mommy and we dont have a cosigner! Follow 4 answers
I might suggest you to visit this web page where onel can get quotes from the best companies: http://INSURE-HELP.COM/index.html?src=1Y...RE :Is $1000 a good downpayment for an $8000 car loan? My fiance is going to be attempting to finance a vehicle within the next 30 days. We are going to our bank tomorrow to talk to a loan officer about getting financed. His credit is pretty bad (dont know an exact number but do know its less then 600) ...but the worst thing was defaulted student loans that are now completely off his credit. He's been at his job for 3 years. We are willing to accept a higher interest rate as we do realize there is no way around it. So, do you think based on the few details you have, that we could finance a vehicle? $8000 is our MAXIMUM price....we found a vehicle for $6500 that we love!! Also, we live in Michigan. Anyone know of any finance companies or dealerships we could contact? Thanks so much...oh and no rude comments please! Update: I am a stay at home mommy and we dont have a cosigner! Follow 2 answers
It doesn't make any difference. There's no such thing as a "good" downpayment. At least I've never heard any guidelines for that. Why does he insist on borrowing money if his credit is bad? You'll never get rich on that plan. That's just dumb. Notice Mark's answer - The worse your credit is, the more they'll try to rip you off. Get the picture? Those who can least afford it pay the most. Don't be that person. Pay cash for your car. Fix your credit. Then everybody will sell you stuff cheaper. Crazy but true.
$1000 is a good down payment for an $8000 car. With the credit rating that you gave for your fiance he will most likely get a higher rate like you said. Check around the dealerships and ask if they do dealer financing also. If they say yes... tell them your approximate credit score as if your credit report is pulled to much it does start having an adverse effect on your score and make it even lower.
$1,000 is OK but $2,000 would be better against $8,000 vehicle price. if you found a vehicle for $6500, you love it and it is a solid vehicle, don't look for one for $8000. plus $1000 down would be more acceptable on a $6500 price tag. does your husband's company do loans for their employees? this would be the easiest way to go if they do, because they already know his employment record and can just take the payment directly off his pay cheque (pay check in USA). as far as going to the bank and the defaulted student loans being off his credit report - did you check ALL the credit reporting agencies? there are 3 in Canada, I don't know how many there are in the USA. the blemish might only show up on one of them. i would suggest you be completely open and honest with your bank's loans officer just in case they check one you didn't.
I suggest that you try this website where onel can get rates from different companies: http://COVERAGEFINDER.NET/index.html?src...RE :Is $1000 a good downpayment for an $8000 car loan? My fiance is going to be attempting to finance a vehicle within the next 30 days. We are going to our bank tomorrow to talk to a loan officer about getting financed. His credit is pretty bad (dont know an exact number but do know its less then 600) ...but the worst thing was defaulted student loans that are now completely off his credit. He's been at his job for 3 years. We are willing to accept a higher interest rate as we do realize there is no way around it. So, do you think based on the few details you have, that we could finance a vehicle? $8000 is our MAXIMUM price....we found a vehicle for $6500 that we love!! Also, we live in Michigan. Anyone know of any finance companies or dealerships we could contact? Thanks so much...oh and no rude comments please! Update: I am a stay at home mommy and we dont have a cosigner! Follow 6 answers
Chances are your bank will not go for it because you are buying an old car. Ideally you buy a car like this for cash, over a three year period it works out something like 6 bucks a day. All that said and done, you might be able to get a car loan here: http://car.insuranceaskingprice.com/CarL...Hope this was exactly what you asked for, best of luck RE: Is $1000 a good downpayment for an $8000 car loan? My fiance is going to be attempting to finance a vehicle within the next 30 days. We are going to our bank tomorrow to talk to a loan officer about getting financed. His credit is pretty bad (dont know an exact number but do know its less then 600) ...but the worst thing was defaulted student loans that are now completely off his credit. He's been at his job for 3 years. We are willing to accept a higher interest rate as we do realize there is no way around it. So, do you think based on the few details you have, that we could finance a vehicle? $8000 is our MAXIMUM price....we found a vehicle for $6500 that we love!! Also, we live in Michigan. Anyone know of any finance companies or dealerships we could contact? Thanks so much...oh and no rude comments please!
Yes, the INTEREST rate could be as high as 18% or 20% $1,000 downon $8,000 is MORE than 10 % Even more, if you go for the $6,500 one! Do you work, being you'll be getting married could you Qualify to 'Co-sign'? GOOD LUCK!!
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So in the 2008-2009 school year I attended the Univeristy of Michigan as a transfer student and life dealt me some tragedies that I didnt deal with too well. I had a federal stafford loan, but because I never completed any courses, they took back the loan and the amount became a debt that I owe to the school. I unfortunately never dealt with the situation and the debt was sent to a collectin agency. I am now trying to get my life back together and get back into school but now I am running into problems, which is why i'm asking this. I just tried to get a private student loan with my mom as a cosigner, but was denied purely for the reason that I am in a collection status on my credit report. It's a catch 22 cause because this loan would get me out of collectin status, but I cant get it because I am in collection status. Due to school policies and the amount of time this debt is overdue, 16 months, the school will not lift the collection status unless it is payed in full. A supervisor in the collection department of the school is trying to work something out with the loan company, but I am having an anxiety attack while im waiting to hear back from him and I dont think its going to work out. So my question is can I get a loan from anyone while im in a collection status with a very credit worthy cosigner and if so from where? Or how else might I go about dealing with this? If this doesnt happen now I will have to start paying back my previous federal loans in a few months, and therefore wont have any money left over to pay off this debt, unless I want to be in default on those loans as well, and will be stuck in these payments for years to come So if I dont figure out how to get money to settle this debt, my hopes for school are pretty much over. Please, Please help me with some advice in this.
The problem is that going to collection ruined your credit. Because you didn't pay your bills on time, no one wants to extend credit to you now. And your record doesn't (and couldn't) reflect what you are telling us now about your desire to get your life in order. It's just a record that says you have not been good at repaying loans. You have only two options, as I see it. One is to try to get a loan from an individual that knows you as a person rather than from your credit reports. Seriously, do you have a rich uncle or something? These days, banks and other institutions are turning down people who have decent credit records, and with the collection, you don't have even that. You would need to go outside of the system somehow. The other thing you might try is to talk with the collection agency who has the loan now. You may be able to work out payments that you can handle. After all, some money is better than none. You might even be able to negotiate some lower total amount, although I don't know how much success you would have with that. (Oddly enough, the worse the situation--the longer the debt has gone unpaid--the more likely you are to get a deal.) But at least see about lower payments. They don't have to give you even that, of course, but sometimes they see it as their best option as well. I wish I had a better answer for you, but as I said, credit is tight these days. Banks are scared of making bad loans, so the standards are tougher than ever. I wish you well, and I hope one of the ideas above works out for you.
As you can imagine, lenders are going to be reluctant to lend money to someone to pay off someone they owe - if you've defaulted once and not paid it back, what is to stop you from defaulting a second time. Your best bet is to sign a legal IOU with your mother with a payment schedule and interest set out and then have your mother borrow the money from a bank under her name alone. While you won't get credit for paying back the loan, you would at least get the collection account closed. Have the agreement between your mother and yourself notarized and copies made for each (plus put an additional copy somewhere safe). This protects your mother in case you default with her. In essence, if you set this up right (make your payment to your mother the same size as the payment to the bank that your mother will make and have the due date a few days earlier) there will really be no practical difference between this and having your mother co-sign (if you miss a payment on a co-signed loan, they are going to come after her anyway) and protects your mother's credit to a degree since she will know if the loan payments are getting made (since she will be making them - you can't go a few months without paying and ruin her credit).
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Ive now been out of high school for a full year, and ive been going to community college part time, until this semester i went to full time due to job loss. I plan on going to a make up artistry school out in Cali (im in Michigan), but my family dosent really have the money. I feel bad, because I feel like Im wasting my parents money by going to school, if I have intentions on not really finishing at the moment. So I have some questions if anyone could really answer them, professional suggestions or just opinions are welcome: How fast could a student loan go through? Would a student loan cover housing costs (the school owns an apartment complex)? If I started this program which lasts about 4 or 5 months, should I "drop out" of the college?
Avoid student loans if you can (I should know, I have almost 50k in debt already, not cool at all) but yes, they do cover housing... YOU DO need a part-time job while you attend school, just to take the burdon off your loans, because your cosigner's credit will have problems because of the loans and getting one this year doesn't necessarily mean you get one next year. (Again, I should know, I was fine 2 years in a row, then got denied this year, so I'm job-hunting to come up with $800 or so per month for my courses) And my dad tried to make ME feel bad for going to college.. .He yells and whines at me about it every day, but it'll still be worth it to have that degree.
Well first be careful coming out to Cali, being from Michigan...going from fast to slow is hard and someone WILL take advantage. It doesn't take long for a student loan to go through but other than your small federal loan, you can't get anything but private loans based on your credit, big no-no. Your parent's can get a Parent Plus loan on your behalf that's federal but then they will be in debt. Plus I don't know how successful your going to be doing make-up because once people find that your not from there, things may go downhill. I would stay in junior college in Michigan, get a associate degree, hen see if you can transfer to one of the state colleges in Cali, at least then you would be protected by living on a college campus and after one year, you can get in-state tuition. Also the military could be an option, if you had a degree you could become an officer and there are Navy and Marine bases in beautiful San Diego & Coronado California. In sum federal loans will not cover all tuition and room & board at a trade school. People from Cali are somewhat vain and tend to look down upon people from other places, maybe you should try Atlanta first, it's slow which makes it an ideal place to become successful.
You need more than a loan. Remember, you have to pay back loans, so it's best to not get too many. An uncle of mine is STILL paying off his students loans from 30 or so years ago! The only good thing is that loans will cover the cost of most expenses. But there are grants provided by universities, financial aid, and most importantly, scholarships. Don't just apply for one, apply for a LOT. Scholarships are hard to win and there's a lot of money at stake for a majority of them (even the ones that have an award of $500 will make all the difference in tuition).
For a stafford loan it takes like 6 weeks. For a plus loan its fast but u need ur parents to get it. Student loans will cover any expense for school including boarding. I would finish the semester and then goto that other school. School is never a waste of time.
I used to say that I had 7 best friends and started to slowly narrow it down when you find out who people really are.. then you meet new people who are able to replace them. With my open personality I do have a lot of friends that I'm close to. Just because you only have three friends though doesn't mean anything, you're life is just going to begin now and you're going to start fresh at a university where you're going to meet new people and while you study for what you want to do in the future, you're more likely to find more people with the same interests you have. Don't give up, have faith, and be yourself. I wish you the best of luck :D
Loans take anywhere from 3 weeks to 3 months to go through, housing isn't covered. Loans will cover all your tuition, otherwise might have to find a job to pay where you live or look for ppl out there that need roommates.
Some community college give the student loan so you should contact to your college as soon as possible. Either you can try in a bank.its duration is upto 3 months. My view is you should concentrate on your study and take any part time job. Why are you so disappointed? Why are you so negetive? just follow the quote " the world of success is belongs to the optimist" Wake up and forget things thats wrong with you. keep the smile and concentrate in your study. Dont drop your college. One thing more you can try the financial Aid. (FAFSA) and college fund.
If your unsure about what you want to do don't waste the money boarding itself can be more expensive than the tuition depending where you going and in california rates are ridiculous, and remember because your not a resident prices are much higher where im going tution for a resident is under 10,000 but if your not a resident you add 10,000 to a resident's tuition
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We are looking for a sub prime loan for our first house. Our credit is awful but clear of any bankruptcy or repossessions. I know all about the collapse of the sub prime market but am wondering if anyone has any suggestions on where I should look. There are tons of so called "lenders" out there and I am hopeful that somebody can help us steer through all the junk lenders and find a legetimate one. We only have about 5 thousand to put down but live in an area where the average house is about 60 grand. (oscoda, Michigan) Thanks
In today's environment of sub-prime crisis, tighter lending rules and the credit crunch, i don't think you'll be able to find a bank or lender to make the loan. if you have no bk's, make sure from now on to pay your bills ontime, repay all past due balances and wait...time is a great heeler of bad credit. but you should not take on additional debt at this point and should wait a year or twofor your credit history to improve.then you can try for a loan.
FHA would be a good option for you... but... Get your financial house in order first, then worry about buying a house. Face it: you've only been able to save $5k. You will need 3% down for an FHA loan. That's $1,800 given the facts you outlined. And even if the seller offers to pay some closing costs, you'll probably have to cover the additional costs. Let's estimate $1,200. Don't even think of buying a home without an inspection ($300). And you'll need to fork over the money for the appraisal. ($350). It's risky not to get the title insurance for the owner. ($900 in your situation.) Of course, you have to move. Let's assume you get a U-Haul: $500 by the time all is done. When I bought my home in April, it was "move-in" ready. Yet I still had some work that needed to be done by contractors ($10,000), had to buy a new oven and washer and dryer ($5,000 - admittedly top end), shower curtains, towel rods, et al ($300), and window treatments ($1,000).... Then the furnace went. ($2,500). Oh, did I mention the gas line that had to be moved ($500) or the sewer back-up that had to be snaked ($200)? Or the electrician that had to come work on the lighting ($1,200). Now, what if at the same time as you're doing this, your car gets destroyed by a falling tree branch, your mother passes away, requiring you to pay for a funeral and fly at the last minute to the city where you grew up, and your nephew steps on your glasses, requiring you to run out and buy new ones? Far fetched? No. It all happened to me within two weeks of closing on my home... Because I was financially secure prior to purchasing the home, this was all taken in financial stride. Had it been four years earlier, it would have been a disaster. Trust me. Getting your finances in order is the best thing to do, not purchasing a home. Nobody borrows and spends to financial security.
Wow, you need to not buy right now. Rent till the bottom hits then buy at a lower price. In mean time fix credit you dont want a high interest. If you spend 1-2 years fixing credit you can purchase a much bigger nicer home for same payment as a subprime loan. Plus I would wait 6 months to see if the economy goes into recession. Lastly you need money saved for emergency fund. If 5,000 is all you got and you use that as down on a house what will happen if you loose job? You will shortly loose house and worsen credit. Build cash reserve of 3 months expenses first
Look at a FHA loan! Great locked rates and 1 yr home warranty included!
Try a USDA loan its for people whom have low income and bad credit they help you get your first house
Countrywide is famous for them.
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I've been looking for a job for ~a year and a half.. There are none. McDonalds wont hire, Walmart wont hire, nothing. What little jobs there are, are being snatched up by people who have work experience. I have none. I am 19.. I live with my dad and bother.. and am trying to go to college. I am working with the money i got when my mom died (about 2k$) and yeah, with ~500$ per class, thats not lasting long. So say theoretically i take out a loan and pay for college.. (while continuing to look for a job) (I know theres some loans you dont have to pay back till youre done w/ school) and I get done with school.. still cant find a job.. and now i have to pay it back.. Could I file for bankruptcy? I know credit and loans would be ruined for ~10 years but that's not a problem... I'm Obsessive about saving money. I buy clothes at garage sales, lol. Credit cards are forbidden. Spendings not the problem. I know laws are different in each state... But i live in Michigan.
Bad credit/whatever is not a problem because I dont ever buy anything.. and i dont anticipate it. When my family buys cars, we buy $3000 cars once every ~10 years or so when the last one quits... from private sellers. everything else we buy (Food, clothes) is from.. you know.. walmart or goodwill.. garage sales.. ---- Ive tried filling out the fafsa and whatnot.. and I dont get anything because we "make too much money" yet we can barely afford to pay for our house. When my brother turns 18, and no more social security, we wont be able to afford to live here.. --- also just a side note.. I didnt come here for people to yell at me about finding a job or saving money, so please keep it to yourself, all im asking for is info about bankruptcy.. nothing more. :) ~Cait
Federal law: A bankruptcy does not cancel a student loan debt. If you owe $45,000 in student loans before filing, you'll still owe $45,000 after the bankruptcy has cleaned out everything else you own. Have you tried looking for jobs delivering pizzas? Or, try working for the collections department of a bank. If you don't like debt now, you'll really hate it after seeing the dark side of the credit cards.
At SAVE-FINDER.NET- you can find the best financial solutions RE How does Bankruptcy work for students? I've been looking for a job for ~a year and a half.. There are none. McDonalds wont hire, Walmart wont hire, nothing. What little jobs there are, are being snatched up by people who have work experience. I have none. I am 19.. I live with my dad and bother.. and am trying to go to college. I am working with the money i got when my mom died (about 2k$) and yeah, with ~500$ per class, thats not lasting long. So say theoretically i take out a loan and pay for college.. (while continuing to look for a job) (I know theres some loans you dont have to pay back till youre done w/ school) and I get done with school.. still cant find a job.. and now i have to pay it back.. Could I file for bankruptcy? I know credit and loans would be ruined for ~10 years but that's not a problem... I'm Obsessive about saving money. I buy clothes at garage sales, lol. Credit cards are forbidden. Spendings not the problem. I know laws are different in each state... But i live in Michigan.
Just because you don't qualify for grants from the government doesn't mean you don't get student loans. Also to rack up debt with the intension of filing for bankrupty is illegal you could go to prison. eventually you will find a job, just keep looking.
Hi, I used "Credit Solution" to settle my debt and avoid bankruptcy.They managed to reduce my debt up to 58% .It's legitimate.I came across this company on NBC News Special Edition.Check it out here: http://click.linksynergy.decenturl.com/credit-solutions-credit-consolidatio
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I am getting married and the house I have now is 2 small, and its in the wrong school district for her kids. I cannot sell my house for what i owe and am currently buying a new house that is big enough for all of us in the right school district. I am trying to rent mine out but if it doesnt get rented before I close on the new house I will have to let it go,I cannot afford 2 mortgages. Should I contact a lawyer now, or just call the lender and give it back? The reason that I am buying a new house now is I dont want my potential future bad credit to hurt me when I try to buy a new house.
Two things to consider here. First of all, you might well have a problem with having a second house that you cannot afford the mortgage when you have another house!! There might not be a mortgage for the second house when your credit is pulled. What I would do? If you have an over leveraged house and you do not want damaged credit, you have no solution except to hold onto the real estate until the market turns positive....one day. I would stick a rent to own sign in the yard and in the paper. I would go get about 20 pointer signs that say rent to own or lease purchase that point to the property. You would be offering rent to own on your property where a new buyer will come in and start making 'rental' payments to you, enough to cover the mortgage. Of course, the secret here is that you are not looking for a tenant, but a potential home owner who can get in without bank qualifying. Owners have adifferent mindset from tenants. And the way to ensure that your potential buyer has a different mindset?? Get as much of a deposit/option fee as you can squeeze out of them. In my experience, the places you have trouble is where you let a new owner in light with nothing to lose! Now, you have to make sure that they are getting a long long balloon period here - to cover the eventuality that they will get a loan and the market will bring your property back into line. What a selling point that is!! NO BANK QUALIFYING, $1200 a month, selling to the highest downpayment!!! Cash in your pocket too because the option fee is non refundable. They dont wanna buy, it aint your fault! Ensure that you use a tenant check service (costs about 50 bucks for a good one) and also ensure you get landlord insurance just in the off chance that they tear the house up. Remember, the mindset is that they are buying the house, so make them make the repairs unless it is something enormous. Your new lender will accept 80% of the payments they are making to you to help mitigate the outflowing of the mortgage payments from your income. And lastly, get the house into a land trust. The last thing you need is a tenant to get sued and some sharp attorney goes down to the courthouse to find out the owner of the house and lo and behold you own two houses, therefore cracking great pay day for Mr attorney!! Get your house in trust, both houses and no one knows who owns what!!! All the best. David Litterick www.shortsaleservicesforagents.com
"Giving" the house back to the lender is considered a foreclosure and your credit will reflect it as such. You need to get creative in today's market. If you are unable to sell or rent it outright, I would suggest offering a "lease to own" option, being cautious to have a competent real estate attorney guide you. Done properly this offers both you and the potential buyer many benefits. "Buyer's" who can't qualify for a mortgage would have the opportunity to own a home, yet if they defaulted, you would still have the property. Also, someone who is leasing with the option to buy is far more likely to take care of the property than someone who is just renting. This is a trend that is becoming more common in today's market. Having a good real estate attorney is vital to the interest of both parties. Best of luck and Congratulations!
If you can't afford two mortgages - and how many people can - then don't take on the second mortgage. As others have pointed out, you cannot just "give back" the house, and you could get your finances into a state that it will take years to fix. If you need more space, then add on to your current house. If it's not in the "right" school district, then maybe the answer is oh well for now. Would it be better for the kids to go to a less-than-wonderful school or for their new father to go bankrupt and ruin their chances for a nice future?
We have an Einstein on our hands here. Let me move out, ruin my credit, but as long as I secure another house first, I'm OK. But, everyone wants to blame the banks or the gov't for the current problems in the US economy. Its people like this that are the problem. Whats going to happen to you when you get divorced and she keeps the house? You will get divorced, b/c no woman is going to stay married to someone that is as unstable as you. She'll get tired of all the dumb things you do that will affect both of you. Besides, if you can't afford both houses, the bank won't give you a loan for the new house anyway. You don't think they'll see that huge mortgage you have and ask how you will pay for both? Your best bet is to short sale for a loss and refi the loss. That way the payments will be managable.
Lower how much you're asking for rent. Make it the best priced rental in the area. Don't allow any pets and only take someone with goo credit, who wants to continue having good credit. if you have to cover another $100 to $200 per month to make the mortgage, that's OK. Have a good tenant in there until the market comes back and you can sell then.
Try listing your apartment on every listing you can think of including forrent.com, apartments.com, rent.com, craigslist.org, etc... including the local newspaper. Some will charge you but it might be worth it if you get the extra exposure needed to get tenants. Try re-writing your ad description and include pictures (the more the better) regarding the place, the location, conveniences such as walking distance to stores, nearby attractions, etc. Finally, is your price competitive. If not, try lowering it a bit and see if it'll do you any good. $100 less on rent means $100 more out of your pocket towards your mortgage but at the very least, it'll save your credit which is thousands time more valuable.
John, Sorry I cannot give you advice on this, but suggest you verify that you actually can be pre-approved for a loan on the second home. Better to find out before you get your heart set. What's happening now, with some lenders, is the loan officer pre-approves you but the underwriter does not. Of course that's after you've made an offer on the next home.
. It sounds like you're digging yourself a hole and you don't know what tool to use. You CAN'T just 'give a house back' to the lender. Banks are NOT in the real estate biz. And I can't imagine another financial institution financing a new house in such a terrible Market AND state! MI has BIG problems! Your best bet would be to stay in your current house or get OUT of Michigan. Homeschool the kids.
Well since your in between a rock and a hard place - try this - call a Realtor and let them try to sell the house on a short sale - if they're any good and you get an offer they'll have the bank forgive the balance when they accept a new offer (it's done all the time) Then be careful not to let it happen again in your new house - and sure hope you didn't overpay for the new house because MICHIGAN is in the toilet. good luck
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Obama today: "Good morning, everybody. Just over two months ago, I spoke with you in this same spot about the challenges facing our auto industry, and I laid out what needed to be done to save two of America’s most storied automakers — General Motors and Chrysler. These companies were facing a crisis decades in the making, and having relied on loans from the previous administration, were asking for more. From the beginning, I made it clear that I would not put any more tax dollars on the line if it meant perpetuating the bad business decisions that had led these companies to seek help in the first place. I refused to let these companies become permanent wards of the state, kept afloat on an endless supply of taxpayer money. In other words, I refused to kick the can down the road…" Washington Post 11/11/08 "President-elect Barack Obama yesterday urged President Bush to support immediate aid for struggling automakers and back a new stimulus package, even as congressional Democrats began drafting legislation to give the Detroit automakers quick access to $25 billion by adding them to the Treasury Department’s $700 billion economic rescue program. So far, administration officials have resisted calls to include the Detroit automakers in the Treasury’s bailout program, which was conceived to stabilize banks and other financial institutions reeling from the global credit crisis."
Democrats want the Bush administration to approve an additional $25 billion in loans from the Treasury program, bringing total federal assistance to the car companies to $50 billion. In a letter sent yesterday to Treasury Secretary Henry M. Paulson Jr., Levin and other Michigan lawmakers urged Paulson "in the strongest possible terms to use your authority under the Emergency Economic Stabilization Act (EESA) or other statutes to immediately address a significant and systemic threat to the U.S. economy and provide emergency assistance to the domestic automobile industry."
He knew if the government gave bail outs to the auto industry they would have to answer and be under the control of him and his socialize henchmen. He was placing his anti-capitalism program in place long before he won the election. He is no dummy in that respect,the dummies are the people who voted for him and could not see thru him,all they could see or understand was his smooth talking mouth.
Oh I see, Bush was President and Bush made the decision to aid GM AFTER Congress had rejected making the loans, but Obama, who was not yet in office, scared little Georgie into making loans that he just didn't want to make! Maybe in the bizarre world of Republican historical revisionists this all makes sense. Edited to add: WRONG. The auto loans came up for a vote and they were defeated. Bush then used TARP funds to give loans to the auto makers in December, 2008. Maybe you need to learn to read a bit and study some history. Loans were made even though the Congress refused to pass the legislation authorizing them and that is a fact. Link provided below. Bush in other words was in no way FORCED to make the loans, rather, he made the loans at his own free will. Many Democrats in Congress were for the loans as was Obama, but not enough were and the legislation failed. But Bush was in office and his Treasury Department did what BUSH instructed them to do and made the loans anyway. Comprende? Your contentions have been rendered false and meaningless. :)
During his last few months in office, Bush was making his office available to Obama so that the transition would be smooth in light of the economic situation the US was facing, and the fact that we were still involved in 2 wars. Many of Bush's moves in his last months in office after we knew that Obama won the election were made with Obama's approval. Bush also secured the additional $350 B of the bailout money so that it would be ready for Obama once he took office.
The government gave GM 60 Billion before the bankruptcy. Doesn't that tell you how poorly the government operates?
The first quote continues: "But I also recognized the importance of a viable auto industry to the well-being of families and communities across our industrial Midwest and across the United States. In the midst of a deep recession and financial crisis, the collapse of these companies would have been devastating for countless Americans and done enormous damage to our economy, beyond the auto industry. It was also clear that if G.M. and Chrysler remade and retooled themselves for the 21st century, it would be good for American workers, good for American manufacturing and good for America's economy. I decided then that if G.M. and Chrysler and their stakeholders were willing to sacrifice for their companies' survival and success, if they were willing to take the difficult but necessary steps to restructure and make themselves stronger, leaner and more competitive, then the United States government would stand behind them."
Only the democrats in congress get to eat this one...Bush was just signing paper.
Because he is a liar. All he does is blame Bush. Pay attention people!
Because the first bail outs started with bush to AIG and the three big Auto Makers
Right. Poor Bush, he was so ready to leave he'd just do anything!
They just haven't given up their Bush blaming and bashing yet........never will.
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My ex-wife cheaed on me and then got an apartment (without me knowing) and now lives in the apartment. I live in the house and she still pays 1/2 the mortgage. Her plan was to take over the house in December when her lease is up. BUT, she has since bought a boat and complains to me that she can't afford to pay for the mortgage any more. I live in Michigan and the market sucks, so I it won't sell without us losing a lot of money which we don't have (at least I don't). I can't afford the house by myself and don't want to live there anymore anyway. So since she probably won't take the house over in December, can I stop paying right now even though she doesn't want to? The mortgage is in my name only and she is only on the home equity loan we have on the house. Thanks,
I did the divorce myself and we divided the money we had and property by ourselves. There is nothing in the papers about any property, just that the property was divided elsewhere. I am not worried about foreclosing, I understand what it will do to my credit, but at this point I just want to get out and move on with my life and start banking money instead of wasting it on a house that I don't want to be in.
Stop what you are doing and call an attorney. Don't stop making payments on your house. Your credit score will appreciate you for that. Yes that situation sucks, but you need to look out for yourself. Call the attorney and then see about selling the house. It's better to take a loss and have a really small loan to pay off, then to have a house foreclosed on, no matter the circumstances. Another option, is to rent the house while you move somewhere else. Anger at this point can drive you to make bad decisions. Try to think of the long term instead of the short term. Dont trash your credit score to spite her. What will it do to her? Not a damn thing. Protect yourself.
If you stop making payments, your credit will be damaged, and after 6 or 7 months (depending in your state), you will lose your house in foreclosure. My suggestions are 1. You can find a roommate to support the other half of the mortgage. use www.craigslist.net to advertise for free or, 2. As long as she is getting in more debt, she might not qualify for a refinance in December (if I would you, I would not left her alone with the mortgage payments on my name) 3. Find the lowest price of your home at www.zillow.com for free and SELL IT 4. As you can't afford the payments, you may want to sell it to an investor so it can be FASTER. In Michigan, you may do what is called a SHORT SALE, depending in how much you owe. www.foreclosureinprocess.com
You can stop paying your mortgage and home equity loan if you wish. However, the consequences of such action will be disastrous to your credit. Are you actually divorced? The settlement should have taken the house into consideration. If you are not yet divorced, you need a good lawyer.
You can't just walk away scot-free - the bank will come after you for any money that can;t recover from selling the house and both of you will get sued for the home equity loan- tell your ex - she;s going to have to sell her boat (probably at a loss to pay off her share of the HELo
What did your divorce settlement say about the house? If you don't pay, it will trash your credit.
You need to speak to an attorney ... immediately
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I'm 25 years old and live in Detroit. I was a truck driver for 2 years and saved up enough money to buy a fixer upper house in a nice neighborhood with cash. This was my only option if I was to ever buy a house, I could never get a loan from a lender, because I never had a job that payed a decent wage .$10,000 is all I would have to come up with to finish it. I was making great money while driving $1,000 a week with no bills except my phone and survival costs while on the road. I thought I'd stay working long enough to finish the house, but because of the economic crisis the trucking companies were looking for ways to off drivers and I was fired on a technicality. This was just after I had purchased the house a week before. I had no idea how bad the economy had gotten since I had left, and now I cant get a trucking job to save my life or even a minimum wage job. Iv been out of work for 3 months and there simply are no unskilled labor or trucking jobs in Michigan now. I have taxes due phone bills due I cant afford to put gas in my car. I am eating once a day because of my depression. I may soon lose the one thing I never thought could be possible to have "my house". And it's really getting me down I feel like there is no hope. I will lose the house that I had worked 2 years for. I feel like I'm destined to be a loser living in a rented room in Detroit with no car and no decent life. No matter how hard I try something always seems to destroy me. I'm a nice person who loves everyone. I do not wish hatred on my worst enemy. I don't think I can live this life anymore as a loser disappointing and draining my family and friends of hope. please give me some kind words to keep me going I want hope to keep me alive.
You are going to make it through this, and you are going to be so much stronger of a person because of it! The worst that can happen is you are forced to give up your home and move in with your parents for a short time. Upsetting, yes, but not the end of the world. You should be very proud of yourself that you accomplished as great of a thing as being a home owner at such a young age. Even if you don't always have that house, you at least can have that pride. Things will get better, they always do. Just keep on truckin'!
Don't give up. Try to get help from the government.Apply for food stamps. I know they offer help for the unemployed so get help. . Would asking for a loan from a family member be an option? . It doesn't sound like you are a loser because you have goals set and are trying to improve your life. I wish you the best of luck. Do not give in to your depression. There has to be some job out there just keep trying to find a job. This may lead to a better job so think positively. Look at this website to see what jobs are available in Detriot: http://detroit.employmentguide.com/ Use other websites if this website doesn't have what you need.There are several jobs available for truckers in Detroit here: http://www.careersingear.com/browse-cate...
Go to your local job service maybe you can find a job there I understand what you feel.... don't stop try on man theres always a way out ! No matter how hard I try something always seems to destroy me. I felt that feeling alot or try to look for a job in the internet fight the pain and dont give up dude ! I will even pray for you that you will find a good job and live awesome and dont forget to as for help you family and friends they will help you !
I'm so sorry! What happened to him? All you can do at the moment is pray. Pray that he gets better. If I were you I would go see him in the hospital everyday. Go sit next to him and even if he can't hear or understand you talk to him. Tell him everything, about what's going on in your life, the baby, how much you love him. I'm so sorry that this is happening to you. I hope he gets better. All you can do right now is pray and be with him. I really wish that I could do more to help. I hope he is okay. Go, see him right now.
Everyday the worst of things happens to the best of people and we never really know why. But we know that we are faced with challenges so that we can overcome them and be stronger because of it. We are never given anything we aren't strong enough to handle. You will get through this with the support of friends and strangers. However, have you explored some of your options? There are often free financial supports that give expert advice in crisis type situations with debt and such things.
Dude, rent out rooms. Let tenants pay you. Just keep it "Pay then stay...not stay then pay!" Landlord is the one job that pays 24/7 , no matter if you are on the road driving or on vacation. Find a good woman ( or 4 ) to make protected sexy time with. A wise man once told me: Behind every good man is a good woman & behind every bum... is a b3tch!
Your first step would be to file unemployment. Then, if you'd like to stick with trucking, look for cross-country trucking jobs. Or even statewide trucking jobs - you may have to move, but you'd still be making money and it wouldn't have to be permanent. If all else failed, you could join the military, but I'd only suggest doing that if you were desperate and starving.
Go to your local job service. They will help you find a job or learn a new trade. There's always a way out. I'll say a prayer for you.
Just focus on your friends and family they'll help you through and give you hope :)
Move to mexico
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So, I'm going to Central Michigan University starting in the fall. Apparently my mom didn't know I wanted to be an actual dentist. She just assumed dental hygienist. She found out this morning that Central only offers pre-dentistry programs, nothing about being a hygienist. So she started naming off random careers that Central offers. I'm not interested in anything else, and I can't rely on someone to randomly choose my career. I don't really know how to tell her I want to be an actual dentist, not just a hygienist... I know that once I do, she will start lecturing me about how much it will cost, and how long it will take and I need to find something else to do. Throughout high school, I changed what I wanted to be a ton of times, then finally my first year of college (at a community college) I figured out that I do want to be a dentist. So it's not like I just randomly decided that.. I've spent a lot of time thinking about it. So I just don't really know how to tell her.
First of all, congrats! I'm in dental school, and dentistry is a great career. You get to manage your own office and work your own hours, and you are a huge part of a healthcare team. You can think of a Dentist as being a Doctor who specializes in the "oral cavity" region. We diagnose, prescribe, treat, etc. while hygienists tend to focus on oral hygiene. In a lot of schools, the first two years of dentistry are identical to the first two years of medical school because we have to learn anatomy, physiology, pathology, etc. In fact, not many people know this, but Dentists are often the first people to notice systemic problems that could be quite serious to the patient if they aren't treated right away! If you tell your mom that you are going to be called "Dr.," wouldn't she have to be proud of you? There is no question that dental school is expensive, but if it's what you really want to do then your mom shouldn't think about the money at all. Banks will ALL want your business, and will treat you quite well. Most schools have pretty decent financial aid programs too. Between loans and bursaries the money will somehow be there...I don't know of anyone who has had to leave dental school because of financial problems. It's a lot to pay off afterwards, but dentists make enough that this isn't a problem for very long. It's pretty short sighted to avoid the career because of high tuition and a few extra years in school, since it all turns out to be worth it in the end!! When I tell people I'm almost a dentist, they have a few standard reactions. Some will step back and say "Oh, I HATE dentists." That can get awkward. Other people will get excited and pop out their dentures to show me or open their mouths wide and start telling me about all the work they've had done. That can be kind of funny, especially when I'm with friends who don't expect it! A LOT of people cringe and tell me how disgusting they think it would be to spend their life sticking their fingers in people's mouths...And the last group, my personal favourite, ask me if I am aware that dentists have the highest suicide rate of all professions. (This is apparently a myth.) Ultimately though, what other people say doesn't matter at all because this is my life and I'm happy with it. Good for you for choosing your OWN career and not letting people pressure you into doing something that isn't right for you! You should tell your mother about all the aspects of the field that made you choose it. Most people just think about the teeth part of it, and not about the patient care, or about working with your hands and the "artistry" that goes into rebuilding smiles and making things look nice. Even if your mother isn't supportive now, you'll have the last laugh when you graduate and are making $100 000/year or more and loving every day of what you do. She'll probably get over it at some point. Good luck!
Have you visited any dental offices? When I was in undergrad, I randomly called several dental offices, told them I was in undergrad, was interested in dental school, and wanted to come hang out and observe what they do. They all were very accomodating, and said I could come whenever and stay as long as I wanted. If you did that, not only could you talk to some dentists who do a lot of cosmetic work, but you could tell your mom that hygienists just clean teeth and you think it is boring or something. lol. It is unfortunate that your mom is not really listening to you, but I'm sure eventually she will get the message. As for going into cosmetics, the first step is to just get into dental school; then you can worry about focusing on cosmetic work.
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I've been in debt with student loans and I got a call from National Enterprise Systems. They said I could consolidate my loans through them and pay back a low balance each month and not have my income tax return taken away anymore. I want to start paying back my loans but is this the best company to go with? Can I trust them? I read some bad things about them and now I'm worried. I have all the paperwork ready to send in, and they call me constantly, never harassing just reminding me 3 times a day with different phone numbers from the area code that I live in so I never can tell if its them or family. I would just like some opinions.
Don't deal with that outfit, they are a collection agency and scam outfit. They do NOT want to help you with any loan consolidation. They are definitely not your friends. They are trying to collect a debt and they have a reputation of harassment and operating in violation of state laws. Here is more on them and then follow the advise given on the Your Credit Rights website: http://www.yourcreditrights.com/collecti...http://www.complaintsboard.com/complaint...http://www.complaintsboard.com/complaint...http://www.creditreportproblems.com/National_Enterprise_Systems.htm http://www.ripoffreport.com/collection-agencies/national-enterprise/national-enterprise-systems-ri-4dp29.htm http://national-enterprise-systems.pissedconsumer.com/
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For Finance and credit solutions I always visit this website where you can find all the solutions. http://personalcreditsolutions.info/inde...RE :Should I trust National Enterprise Systems? I've been in debt with student loans and I got a call from National Enterprise Systems. They said I could consolidate my loans through them and pay back a low balance each month and not have my income tax return taken away anymore. I want to start paying back my loans but is this the best company to go with? Can I trust them? I read some bad things about them and now I'm worried. I have all the paperwork ready to send in, and they call me constantly, never harassing just reminding me 3 times a day with different phone numbers from the area code that I live in so I never can tell if its them or family. I would just like some opinions. Update: I didn't know I could consolidate my loans through the original lender because they had gone to a debt collector. Follow 3 answers
I haven't dealt with them personally but they keep calling me for another family member. That member doesn't even live in the same state as I do, and I'm not obligated to give them any information about somebody else.. They must work from home because I got a call from them one night but it was little children on the phone, it took a while to get them off. Unless they leave you a number to call back you can't get hold of them. I've hit redial but it always says there is no such number which is stupid, they just called me..................
Scam. Why are you not calling your student loan company and consolidating your own loans? Note that private student loans cannot be consolidated. Only federal student loans can. On federal ones you can even do deferrement, or income based. Learn to throw away junk mail. And learn to hang up on people that call you. They are up to no good. To top it off, you are not going to find anything that offers you a lower interest rate than student loans. Just because you are not paranoid, does not mean they are out not out scam you. An easy scam to run would be that you pay this company monthly, and they never pay off your student loan. When you figure it all out, that loan company will be out of business.
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I live in the State of Michigan. I purchased a used car 8 months ago from a dealership with the aid of a friend as my co-signer. My friend want to sever all ties and I need to know how can I return this vehicle and cancel this contract. I pay my friend monthly payments to cover the cost of the insurance and car note as the payment is deducted out of their account though the Title of the vehicle is in my name. I would like to keep the car but my finances will not allow me to do so. If it's possible to keep the car in my name alone I'm willing to try. I'm sure cancelling this contract will affect my credit score, however, I feel I'm in a no win situation. Please tell me what my options are.
You cannot cancel the contract. Returning the vehicle will only make things worse. A repo is a repo, whether the dealership takes the car or you turn it in yourself. With a repo, the bank sells the car at a big discount then comes right back after you and your cosigner for the remaining amount of the loan + fees and interest, which will be close to what you already owe right now. The repo notation would go onto your credit report and your cosigners credit report, ruining both credit histories. If you cannot afford to refinance on your own and get your cosigner off the loan, then things are going to have to stay "as is" until the loan is paid off, however unpleasant that may be for both of you. "Maybe" the only way out is to sell the vehicle and have the buyer take over the remaining payments.
For Finance and credit solutions I always recommend this website where you can find all the solutions. http://finance-solution.us/index.html?sr...RE :How do I cancel an auto loan contract in Detroit, Michigan? I live in the State of Michigan. I purchased a used car 8 months ago from a dealership with the aid of a friend as my co-signer. My friend want to sever all ties and I need to know how can I return this vehicle and cancel this contract. I pay my friend monthly payments to cover the cost of the insurance and car note as the payment is deducted out of their account though the Title of the vehicle is in my name. I would like to keep the car but my finances will not allow me to do so. If it's possible to keep the car in my name alone I'm willing to try. I'm sure cancelling this contract will affect my credit score, however, I feel I'm in a no win situation. Please tell me what my options are. Follow 4 answers
For Credit and finance solutions I always recommend this site where you can find all the solutions. http://INSURANCEANDFINANCETIPS.INFO/inde...RE :How do I cancel an auto loan contract in Detroit, Michigan? I live in the State of Michigan. I purchased a used car 8 months ago from a dealership with the aid of a friend as my co-signer. My friend want to sever all ties and I need to know how can I return this vehicle and cancel this contract. I pay my friend monthly payments to cover the cost of the insurance and car note as the payment is deducted out of their account though the Title of the vehicle is in my name. I would like to keep the car but my finances will not allow me to do so. If it's possible to keep the car in my name alone I'm willing to try. I'm sure cancelling this contract will affect my credit score, however, I feel I'm in a no win situation. Please tell me what my options are. Follow 3 answers
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My friend is moving back up here but before he could he had to get his stuff from Michigan. He's was supposed to get the money before this weekend but the person he was getting it from can't send it to him right now. I can send him a check but he just can't cash it until Saturday afternoon so it will go through without getting me in trouble. I can send it and it will be ok but I don't know where to have him cash it so it doesn't bounce. HELP!!!
Boy I know how it feels. I once had a check that I wasn't able to cash for a couple of days. What I did was go to a friend, and told him the problem. He was willing to put up the cash for a couple of days. I endorsed the check in the back as it was made out in my name. That is the only thing I can think of. Does your friend have someone in Michigan that would do this for him. Hope I helped.
Well, the easiest way to be absolutely sure the money goes through is to use Western Union. You can go the the WU office nearest you (many grocery stores have them) and send the money with them. You could go Saturday morning with cash (from you bank account) and he could pick it up almost immediately at a WU office near him. Down side is that you pay a fee to them for the service. You can also send money directly to your friend's bank account via WU. Here is a link to more info: http://www.westernunion.com/info/osMoney...
He has to cash it at a check cashing place.
Don't loan money to friends. It can ruin a friendship.
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I wrecked a motorcycle around 2 years ago and haven't made any payments on it since. I Purchased it through an installment loan but was not required to have full coverage. In Michigan, should i have been required to have full coverage? Also they came to repossess the bike and the driver refused to take it because it is totaled and hasn't been back since. I was told by a friend there is some type of law that says if they don't take it back after a certain period of time it becomes mine? Is this true? i find it hard to believe. The bike just sits away in our garage.
You have a loan and that loan was secured by the bike. The bike is not worth the loan. You may owe the bike now but you are not relieved of the loan--which I assume is your question b/c the bike is totaled
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I moved to Oregon 3 years ago. My home in Michigan never sold. The rent income has been below my mortgage the entire 3 years. I can no longer afford the mortgage and my renter is moving out in 1 month. I am considering letting the bank foreclose on the house since I can't refinance and can't afford to pay someone to manage the property for me. I have a 80/20 split loan thru Countrywide (now B of A) I know that the lenders can come after you and there are tax consequences but...the house is valued at $63,000 and I owe $63,000 on it. Any idea how much I may be penalized or responsible for if they foreclose? This is SO stressfull. Any help is appreciated.
In the last 5 years there have been almost no instances where a bank came after you for money ( a judgement) after a rental property foreclosure. It isn't worth their time and effort. But that doesn't mean they won't start tomorrow so you are correct to worry. Short-sales have increased their success rate from 4% to 8% but that just wastes time for you. Your first choice would be for the lender to accept a Deed In Lieu of Foreclosure. You sign a deed today and the bank owns it. But the banks have been scammed so they are reluctant to do this ... but you should call to offer it. If the bank sells your house for $53,000 and pays $5,000 in "costs". You would owe them $15,000 if they got a judgement against you. There is a good chance that they would accept $5,000 cash from you since they usually get zero.
Sell it. Really. If you got an offer for $63,000 you'd have to bring cash to the table to sell, but it wouldn't affect your credit at all. The next best option would be a short sale. A short sale is a loss mitigation technique that bank might use to avoid a foreclosure. This is at the lender's discretion and usually requires you to be behind on your payments. The next most damaging to your credit is a deed-in-lieu of foreclosure where you voluntarily give them the deed instead of making them go to court. Finally, there is foreclosure where the bank has had to go to court to get possession for non-payment. In the last three cases there can be a deficiency. You didn't pay all you owe. In cases where that deficiency isn't too large they often forgive the excess amount and then issue you a 1099 at tax time which counts this money as income to you. This can really mess up tax time, especially if the amount is large. In rare cases, the bank can go back to court and get a deficiency judgment against you and then they can seek out other ways to get paid. Like wage garnishment, etc., but this doesn't happen very often. All options except the first will damage your credit. Significantly. This will raise the cost of insurance, make getting credit difficult (if not impossible) and could even cost you a job or job offer. good luck! ps - you are actually going to default on 2 loans, the 80 and the 20.
I know that this may not be any help at all but from everything I'm hearing is that foreclosure in this day and age with the economy and housing in the shape that it's in... well, in time even though the foreclosure is on your record it's not going to be as big of a deal as it maybe would have been in the past. Right now foreclosure is something that is caused more by the banks rather than the lenders and with foreclosure rates so high there will be more forgiveness. I know this might not make much sense but I'm trying to ease your mind on the real possibility of foreclosing. It really might not end up being THAT bad. Are you eligible or able to refinance? Getting a lower rate may help you to have a cheaper mortgage. I don't know, I'm sorry. My parents both live in Michigan and it's where I grew up. It's really sad to see what's going on there. Good luck and best wishes.
Sell it. rather. in case you get carry of an furnish for $sixty 3,000 you will might desire to place across money to the table to sell, in spite of if it does not effect your credit in any comprehend. the subsequent appropriate determination could be a speedy sale. a speedy sale is a loss mitigation technique that financial business enterprise might desire to word to stay faraway from a foreclosure. that is on the lender's discretion and many times calls so so you may be on the decrease back of on you money. the subsequent maximum damaging on your credit is a deed-in-lieu of foreclosure the placement you voluntarily furnish them the deed rather of reworking into them flow to courtroom docket. ultimately, there is foreclosure the placement the financial business enterprise has had to flow to courtroom docket to get possession for non-cost. indoors the appropriate 3 situations there's a deficiency. you probably did now no longer pay all you owe. In situations the placement that deficiency isn't too great they in loads of situations forgive the surplus quantity and then concern you a 1099 at tax time which counts this money as income to you. this could rather decrease to rubble tax time, extremely if the quantity is extensive. In uncommon situations, the financial business enterprise can flow decrease back to courtroom docket and get a deficiency judgment against you and then they are waiting to seek for for out diverse the main appropriate thank you to gets a value. Like income garnishment, etc., yet this does not ensue very in loads of situations. All recommendations diverse than the 1st will harm your credit. critically. this could strengthen the fee of coverage, make getting credit complicated (if now no longer impossible) and might desire to even fee you a job or pastime furnish. good fulfillment! playstation - you're rather going to default on 2 loans, the 80 and the 20.
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I am moving and my sister just gave me her playstation 2 and 3 with games and her xbox 360 with games because i told her i would use them and she said if i didnt i could sell them. well i dont know where to sell them or my psp, gamecube and wii. someonplease help me and tell me about how much i will get for them. I also have halo 3. if someone could tell me how much i could sell them for and where i could sell them i would appreciate it. I live in Linden, Michigan if that helps thank you in advance.
Whoa man, we both live in Michigan. Just come over to my house and drop it all off... ha, just kidding. If you want cash you might just want to start auctioning the consoles on the internet. I think you can turn them into Gamestop for points (I don't know if they give cash.)
EB Games or Gamespot will give you store credit only. If you want cash you can try ebay or even a pawn shop. Try selling them to some gamer friends thats probably the best way to get the most cash.
If you're seriouly planning to sell all of those, you could either get anywhere from $500-1225 if you sell it at the right place
I'll give u $75 bucks...what's ur e-mail add?....
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Michigan gets 8 home games and 4 away this year. Ohio State gets 7 home and 5 away. Notre Dame gets 7 home and 5 away. Several other teams also have 7 home and 5 away. Why isn't the home-away schedule even like in most other sports? Does it seem fair that these big name teams get to play in their gigantic and loud stadiums? And I don't care how Michigan is doing and how it doesn't seem to matter this year but it's been going on for awhile. I remember not too long ago Ohio State had something like 9 home games! How is that fair? (not picking on Ohio State or Michigan, these are just the quickest examples I can think of)
Conferences don't schedule. This is done by the athletic directors of the schools. Schedules are usually made a few years in advance. There is an advantage for the visiting teams in the form of a big payday. Small schools are willing to take a beating for a big check.
The NCAA does not handle schedules. The conferences take care of conference games. Non-conference games are scheduled by the schools themselves. I would bet Michigan played on the road alot in and out of conference last year. That's why they have so many home games this year.
Out of conference games are agreed upon by each individual team. This is why small school almost always go to larger schools, b/c the smaller schools get more money for playing these schools, but they agree to be away.
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12 years ago, I was on top of the line190 olin's, and I wasn't too bad. After a long time off, I started skiing again. I have rented parabolic's and want to buy a pair but I'm not ready to shell out the cash for a brand new pair. The ski's I rent are ok, (160 length) but I want to find a pair that are faster. 1)What make/model ski should I start to look for on ebay or at a ski swap? 2) What other things make a good ski these days besides length (stiffness, shape, how cool they look, etc.)
Some details on me-I am 200 lbs. 5'-9". I ski in northern lower michigan, boyne mountain, crystal mountain, nubs knobs maybe 3-4 times a year. Mostly groomed trails, maybe a little powered if we're lucky. Maybe some mild bumps if I am feeling limber. I am not looking for my very most favorite ski ever, just something that goes fast and handles well enough for my occasional outings. I have lots of time to shop around, but will not be back to the hill this year so trial runs are out. I want to identify at least the type of ski I would like so that if a good deal comes up I can jump on it. Any ideas?
Geezer is right on about getting older models. you can find older versions for about what you'd expect to pay for used ones you're on the heavier side so those rentals were probably to soft for you to go fast comfortably skiing in michigan you will want something with a tight sidecut(this will be marked by turning radius...a pair of skis marked 15-16ft will suit your needs) but need to be stiff enough to eliminate high speed chatter try looking for a pair of head xrc(the higher the # the better...600 or up) or atomic izors. both those models were replaced and can be found really cheap but are made for the type of skiing you described. check some of your local shops they probably have a pair or two of these skis in their basement and would love to unload them I picked up a brand new set of izor 9.7's177cm for my nephew for christmas mounted with neox bindings for $350.. he hasn't skied in a couple of years and mentioned that he wanted to start up again. his size and weight were about the same as yours and conditions in ontario are the same as Mi so something similar might be what you should be looking for both models I mentioned are useless in big powder conditions but will handle anything a michigan winter can throw at them...ice/groomers and even fresh snow just not 3 or 4 feet of powder but let me know when you find that around here.
Hmmm, very personal question. The things that make a ski "good" are the things that please you. Here's an idea: either go to the next "demo" day when you can try skis for free or shell out $40 at your nearest destination resort to demo a number of different pairs in one day. Tell the guy behind the counter how and where you like to ski. He'll put you on three pair or so. Pick the ones you like best and go to the nearest outlet (online is fine, too, there are plenty of reputable dealers) and buy LAST YEAR's version of the ski you like. It is rare, indeed, for a truly new thing to come out and last year's color will ski just as good as the new one. You'll get about 50% off and no worries about suspicious repairs. BTW - choice of skis is VERY dependant on your size, strength, skiing style, the places you like to ski, and so on. With those details you'd probably get some more specific answers.
The cosmetics change every year, the names also will change from model to model. Olin is now a discontinued line from K2, I also had a pair of 190 Olin DTSL, that I just sold. I currently use a pair of K2 Axis XT for teaching and have enjoyed them for 4 years. I'm leaning towards a pair of Nordica in a 170 cm, all mountain ski that will last me another 5 years or so. No matter what ski you buy, the performance can be modified by a proper tune, or lack thereof. If you can go to a demo day try various brands and models for a run or two and try to make a decision afterward.
Let me give you some advice. Never get skis online. THey may not fit you right or may not be as good as they look. Try going to a ski store and trade there. Maybe you can sell yours there and get a better pair there.
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That would have to worked out between you and the investor. You need to know what the foreclosure laws are in MI
If you have a friend willing to lend you the money, get the money BEFORE it goes to auction and pay off the house - then you owe your friend instead of the bank. At the sheriff sale, they will be asking the amount that is owed on the house. This will include paying off the loan and the legal fees and the back taxes, etc. You can pay it off for less now, before the sale than you can at the sale. Also, once it is auctioned (let's assume it is not worth the amount owed) - the bank will own it. They will list it with a Realtor for the amount they think they can get - they won't let you buy it.
If you can't reclaim the house prior to the sale (you can usually do this by catching up all the late payments and any penalties or interest involved), then you can buy it back at the public sale. The date, time and place of the public sale should be on your Notice of Trustee Sale (should be posted on your county website or maybe in the newspaper). You have to bid at least the default amount - the amount owed on the mortgage. If no one bids at least the default amount at the sale, then the property becomes owned by the bank that owns the mortgage. It would be wise of you to use the personal loan from your friend to pay the back amount owed, because you wouldn't be borrowing as much and you can get the house back before it even goes to auction.
You need to see if you can indeed stop the process. Often it is possible to purchase a property before it goes to auction. If you do indeed have someone who is willing to buy the property then start working the phones.
Look you can redeem the house now before it goes to sale. So do it
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I love near Michigan State University, and have spent a load of time on campus ever since I was a young teenager. Now that I'm older and actually going to college in less than two months (just community college for a year, and then transferring to MSU), I think it would be easier for me to make friends in East Lansing than it otherwise would have been when I was younger. At least now I don't have to worry about my age limiting me (bars aside) and my friendships, nor do I have to worry about obnoxious school schedules. I had no social life in high school because I thought I was an ugly nerd, but my confidence has picked up ever since I was a senior and got asked to prom by a few girls, got called "cute" by women I didn't even know, and otherwise began to socialize more with random strangers. Now it seems like I'm at the point where I can sort of tell if I a girl wants to talk to me, but I'm horrible at initiating conversations with somebody that's not, say, working at a cash register or at a volunteer assignment with me. What kinds of places can I go to meet girls? East Lansing is very much a college town, and even though I won't be attending MSU for another year, there will be literally thousands of young women in the same age demographic as me out and about, come late August and early September. What should I do? Where should I go? How do people meet other people when they're in college? Is it one of those things where you make friends in classes, or can you go to coffee shops and start chatting with people? I had no social life whatsoever in high school - never kissed a girl, held hands with one, or ever had much of a romantic relationship. As I got older and possibly a bit better looking, it seemed like I got flirted with sometimes, but I could just never figure things out. Now that I'm about to open a new chapter in my life, I'd definitely like to try to live these next few years to the max. I know they'll be some of the best in my life, should I be able to take advantage of them. If anybody can help me out with advice on meeting girls or just making friends in general, that'd be cool. Thanks in advance.
I think the best thing any guy can do is be confident. be confident with who you are... it's the only way you're ever going to be... lots of girls are attracted to confidence (and guys say the same about girls). just be you. and you said for yourself people started to notice you more your senior year, and a lot more will once you are more confident. i know it is probably awkward at first since you said you haven't had much experience but just be you! let the girl come to you, it would be a lot easier and less awkward. and be honest.
Hey! You've got the right idea so far. Just talk to cute girls at random places. Coffee shops. The mall. Local festivals. Chat with the girl in front of you in line at Target. Go to a concert with some friends and get a girl's number there. If you are serious about wanting a really great girl, you won't find one at bars or clubs. If you're interested in trashy girlfriends, you can go to the bars and clubs, but otherwise, it's your random everyday locations where you'll find the best girls. Like go to Barnes and Noble and joke around with a girl. As far as approaching a girl goes, not being nervous, appearing more attractive, and how to talk to women...there are just so many things it would be hard to explain in writing. So I found this guy on youtube. He's a brilliant dating expert and all his videos cover stuff like what you're asking. http://www.youtube.com/user/stephanerdma...I'm a girl and I approve the advice he's giving on how to get girls! So you gotta check it out Good luck! You sound awesome and I'm sure you'll find some girls in no time :)
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