can a creditor regain its collateral after a chapter 7 liquidation have be discharged?
Question:Answers:
If you are not current with your obligation and if you have not signed a "reaffirmation agreement", the creditors can enforce their wellbeing agreement and regain their collateral. Howeve, you can retain the collateral by either reaffirming the debt or redeeming the collateral. This involves paying sour the amount required by statute, which would be determined by negotiation or by the court.
Other Answers:
if they were on ur liquidation... NO NO NO. if they are tryin to get money out of you after you file and they were on it.. make clear to em to go stick it.
I enjoy fruitless credit. Can I attain a mortgage for a house from anyone?
Question:Answers:
Well, more than 75% of the people throughout the country do transport bad credit and adjectives of them get the loan from somewhere or the other so here is no reason why you can't. I'm a loan officer myself and have helped plentiful.....give me a ring up if you like and i may know how to help you out.
Other Answers:
Yes, in that are certainly companies that will do a mortgage for you but you will enjoy to pay a sophisticated rate than someone with better credit.
try to gain with someone so both family benifit try nation point. com they are very honourable about helping you out, and they do enjoy high interest rates.
anybody know a spur-of-the-moment bearing to fix my credit mark?
Question:need hasty credit fix that works!Answers:
There is no quick bearing if the information is accurate. You need to specifically look at the credit rack up indicators which tell you --specifically--what 4 factor are most affecting your credit score. Open collections and judgment need to be compensated, a good repayment history have to be established OVER TIME, credit inquiries need to be kept to a minimum, and don't CLOSE OUT accounts [like everyone else does and next complains that they can't get their score up]. Get a secured credit card, use it MINIMALLY each month next pay rotten the balance ON TIME respectively month. Check your credit report on a regular basis--make sure what's there have been accurately reported.
Other Answers:
i muse u can fix ur credit score on.....................
www.truecredit.com
dance to www.myfico.com and there are simulators to describe you what to do to impact your credit score. Also, willing tips.
Source(s):
www.myfico.com
why do cabel company allowed to lower my credit rack up when it they speak i did not turn contained by a usb 20 $ owe 650?
Question:is this right for them to be able to report you to credit agencys on simply their word I have have more than one run in near cable company doing this sort of thing. They have an employee cheeking equipment within I know i make mistakes but their word isnt any better than mine.Answers:
The same item happened to me when I worked for the cable company, Check to see if the equiptment you turned surrounded by is still in service, it may own been destoryed and can no longer be traced, if this is the grip they can take it sour the books right at the department.
if i have a motor reposed does my credit mess up as it would if i go ruined?
Question:Answers:
That depnds on alot of factors ... the generic answer is no ... however if you enjoy a reposesion, and not other real trade lines, afterwards you are going to have a easier said than done time obtaining credit to redo your score. conversly if you wallet bankruptcy you can procure credit almost imediatly after discharge .. though not on the best terms. There is no magical formula to be precise going to tell you how discouraging a reposesion is going to lower your score verse a BK. However I would strongly recomend re-establishing your credit. Just learn formthe repo. and don't brand the same finacial mistakes.
Other Answers:
Nope
who pays for spouses credit card debt if they die?
Question:wife just died, and have credit card (min.) debt. Cards in her designation with me as an authorised user. Do I own to pay sour debt?Answers:
Yes you are responsible. How ever you need to notify the creditor that she have died, and provide them with a copy of the disappearance certificate.
Other Answers:
yep.
Only if you live within a community property state. Otherwise the debt is in her entitle and it's her liability. They can go after her estate including the home you live within if it has her label on it too though.
How long did it appropriate for Orchard Bank to approve you?
Question:I'm getting antsy! Tomorrow will be 10 business days. It says on the site 10 to 14 days...Just wondering if it took over 10 for anyone.Did you hold extremely bad credit and still take approved?
Answers:
You can always bid and ask if you have be approved or not.
If you get denied, you can dispatch a reconsideration message. Tell them why you have doomed to failure credit (hopefully the bad credit be years ago) How you are trying to clean up your credit etc.
If you do enjoy bad credit, you should try to verbs it up. I'm listing a fantastic "free" do it yourself credit repair site.
Other Answers:
I guess that is be about a couple of weeks for my approval. I suppose that it depends on whether you are getting a secured or unsecured card. It also might own a seasonal aspect to it.
I would give it another week, afterwards start making inquiries.
It took 12 days to get approval, and we have just did ruin 3 months prior!
why does visa card starts beside 4?
Question:Answers:
Just like the entry above states, it's a style to identify the corresponding logo to the credit. This helped identify counterfeits at the instigation.
Check out the link below...
Other Answers:
Its the method the credit card co's keep track of their numbers...close to mc is 5, discover is 6... if someone tries to say I enjoy a mc that is 2087...etc consequently they will get caught too rapid. it doesnt mean anything ...
Where can I apply for a credit card online?
Question:Not Chase.com or citi.com, but a place where I can compare credit card offer side-by-side.Answers:
This is the best site for comparing and applying for credit cards online. You can search for a card that give you cash fund, airline miles, or low interest rates.
http://www.creditcards.com/index.php?a_aid=1001&a_cid=1000&a_did=1223
How to consolidate my credit card balance within to one portrayal short going through debt regulation services?
Question:Answers:
There are alot of ways to do this. However I need alot more info after you are giving. Do you own a home? Is your credit good? How much can you afford a month to reward on them?
what is an electronic funds verbs?
Question:what is an electronic funds transfer?Answers:
Electronic funds transfers (EFT) is the movement of funds from one sandbank account to another using computers instead of checks or quality newspaper cash/coins.
Bill pay through your hill is an example. Bill pay can be an EFT if the your sandbank sends the rent not as a check but as an Automated Clearinghouse (ACH) item. If the bank in actuality cuts a check and mails it to your hotelier, that's not an EFT.
Also, if you pay your cell phone bill online using a credit card, that's an EFT.
Direct deposits of payroll checks is an EFT.
An e-check is an EFT. This one is interesting: let's vote you go to a store and you write a check to settle for a pair of jeans. The store can if truth be told scan that check, convert it into an e-check, and give you vertebrae the check.
Other Answers:
It is the transfer of funds from one mound account to another as facilitate by a third party commonly call a "Gateway". Ask your bank to recommend a Gateway to use.
How do I face incorrect credit reports on my credit history?
Question:When I look at my credit history, items that should have be removed after a banckruptcy should have be removed, but still remain. How do I challenge these and bring them off my credit history?Answers:
seize a copy of all 3 credit reports. lately disputing on one wont fix the problem. Write them a letter stating inaccuracy or use the online reporting thru their website. they by law own I think it's a couple of weeks to verify the debt/bad debt is valid or they MUST remove it from your credit bureau. In the be a sign of time they should mark it "within dispute" on your credit bureau if youre trying to buy a car or something contained by the mean time. they might cart that into consideration or maybe not. sometimes you can be in motion straight to that co and dispute and they can update the inaccuracy to the cbr immediately.
Other Answers:
Contact your credit report compamy...ex Experian
I consider my self an expert when it comes to credit reports. First you inevitability to go to adjectives three credit bureals online, transunion,equifax, experian, Then you need to walk to dispute items, ON experian they even have confident prompts to help you dispute items, You are intitled to a free credit report every year lately ask for it, or if you were denied credit you achieve a free one that way. I hope i help you some.
How do I find out my credit ranking?
Question:Answers:
Go to freecreditreports.com or call one of the bureaus equifax, experian or transunion they should be capable of forward a tri-merge (recs on all 3 bureaus) next to credit scores. Watch out for those inquiries!
Other Answers:
Many places do it, I use equifax, they're comprehensive and cheap. There are also free credit check companies but I own never tried them.
Once I've rewarded stale my creditors, how do I go back to the beginning my credit evaluation?
Question:Answers:
credit scores are base on positive : low bal with a hi credit row, paying bills on time, not using adjectives credit avail on all cards etc
glum: using credit line available, not paying on the dot, several late payments, no payments, collections, judgment
I would suggest getting several credit cards and using them and paying them off as express as you can regularly. even use them for grocery shopping but if you dont use them wisely, later you wont pay them past its sell-by date...and your score wont lift up again.
Other Answers:
Get a pre-paid credit card and make your payments in good time
im 20 should i run bust for owing close to 13,000.00 dollars?
Question:Answers:
Do you have a steady mission with a steady income? Then it won't be too frozen to make a budget to lend a hand you pay rotten the debt.
Work with your creditors. They similar to it when you communicate with them.
You CAN buy a house, vehicle, etc. But you will have to any 1) learn creative financing from places close to www.richdad.com (for property buys) or 2) expect to pay a impressively high interest rate to "re-establish your credit" and places close to that won't report your good credit payments - solely if you miss one.
I bought 2 properties about a year after my liquidation and the interest rate wasn't bad at adjectives. Some "for sale by owners" will work near you on their own terms and their own interest rate to assistance you get a house. Just be aware that you hold to look at a few hundred homes to get an notion of value of the property vs. efficacy of the loan terms.
Bankruptcy is getting harder and harder to in fact file beside the courts because the courts are recognizing that folks are doing the ruin route instead of showing that they actually did attempt to settle back the debt. I mull over, in some states, slice of the requirement to file liquidation is to have evidence that shows you enjoy attempted credit counseling or some other way to show you hold attempted to work with the creditor and settle up back the debt until that time a judge will even consider your ruin case.
Other Answers:
no, basically dont accumulate any more debt. If you shift bankrupt, you will hold a hard time getting a house, motor, other credit, apt, etc.
If you can't pay it put a bet on within the close to future, it's an risk you should explore, but realize that your credit report is not "yours." It's tied to your Social Security # and is sold to offshore collection interests. Take care of your credit; collapse court will only prolong the process.
Good luck, and I stingy that.
Source(s):
http://yangshouseofyangs.com
no do not add debt and try to discharge it off because if you stir bk it will stay on your credit 10 years
the laws enjoy changed since the first so if you think they are going to newly get rid of your debt approaching before they won't you will still hold to pay and probaly for alot longer and you will enjoy more people to take-home pay like lawyer and anyone else that deals beside your bankrupcy. so now days it is freshly better to pay what payments you can or try to work out payments intill they are gone.