Im 1/4 ownr hme. my mm died we wnt to consoldte ditech sd no loan bcs i hve 10 yr unpd jdgmnt. hples? lose hm?
Question:
my mom signed her house over to myself and 3 siblings last year. she passed away april 15. my brother is trying to thieve out loan to consolidate everything. and keep the house. ditech denied because of a 1995 unpaid judgement against me. i am not rented but am on deed. can we lose adjectives? please no jokes only advice.
Answer:
I agree next to the first poster, especially about the DiTech remark.
You involve to find out what your states judgment law are - how long they last and if they can be renewed
<for example only>
If you live within a state where the verdict SOL is 10 years and non renewable (or is renewable but they failed to renew it within a legal and timely manner)
The shrewdness is no longer legally collectible and you should dispute it next to the CRA's.
If you live in a state where on earth the judgment SOL is 10 years and it is renewable and they have renewed it in a legalized and timely manner.
The sensitivity is still active and you are still liable for it.
You might check my profile and click on the intermingle I have nominated for state SOL's to see what the time length is for your state and if your state allows judgments to be renewed. (second to concluding link)
You might also go to the finishing link I enjoy listed and do some reading, and ask any press you may have, contained by the credit forum.
I'm sorry for the loss of your mother.
The best way around this would be to filch yourself of the deed and later after closing add you put money on to title.
As for Di-tech this is why the sub-prime and mortgage industry get a bleak name.
Get your signature off the action and work on the unpaid judgement. Make sure you have a advocate so you can get rear legs on the deed once your judgement is rewarded off.
I would not hold my name stale the deed because your siblings may not want to put you support on the deed. However, you should establish your 3 credit reports Equifax, Experian, and Transunion and dispute the judgemet because the item has be on there for 10 years. If the creditor stay away from to respond within 30 days, the credit bureaus own to delete the item from your file by decree.
How do I receive a credit card next to impossible or no credit?
Question:
I have no credit, and i've be trying to apply for store credit cards (i.e. target, old armada, department stores, etc), and i'm always denied. I really want to improve/gain my credit...how do i do so?
Answer:
badcreditcards.com or
rewards660.com
An Orchard Bank secured Master Card is straightforward to get. It's what I used to build my credit.
first preimer credit card approves any one, but they own a anuall fee and a one time set up payment..
If you are employed or have plenty money in the dune, you must be able to draw from a credit card with no credit. Otherwise, try to borrow and remuneration it back next to interest and prove that you have a dutiful credit rating.
orchard bank
You can return with a secured or unsecured credit card with fruitless credit. I have down a site that has a free index with summaries below that will approve you. Good Luck
When choosing a credit card for unpromising credit holders take consideration to see that the lender does not levy exorbitant charges. Unscrupulous issuers can charge a program fee, an commentary set up fee, and an annual card duty etc. Authentic companies ask only for an annual allowance and very little.
Notice of charge bad by dune surrounded by writing, what is the time frame, 30 days?
Question:
Answer:
What do you mean exactly? Did your mound send you a perceive that your account is going to be charged rotten? If so, it depends on the bank, but I cogitate it's generally 45 days from the hours of daylight your account go negative. Make sure and obtain it taken care of asap because it will progress on your record for 7 years and you won't know how to open another story until that 7 years is over. There's a lot you can't do minus a checking account. Good luck!
Do bluecubeloans contained by ireland do impossible credit loans?
Question:
Answer:
Apply and you will soon find out.
Ignore the adverts below.
Their pattern site should have details. It's a appropriate idea to enjoy a look around when it comes to bad credit loans to create sure you get the best concord, as you will find that many lenders will charge a impressively high interest.
You can find out more details concerning doomed to failure credit loans here: http://www.advantageloansuk.co.uk/bad-cr...
Should we withdrawl $ from our 401K to salary debt, within instruct to bump up our credit ranking and lift up FICO?
Question:
This would be in instruct to purchase our first home.
Answer:
What can you get beside your scores as they are? What will your score be after you pay rotten those debts? What financing can you get beside those improved score? Will you borrow from your 401k or simply liquidate it? If so, what are the penalties? If you do liquidate it, will you enjoy enough change reserves (at least 2 months of your adjectives mortgage payment) to get the best financing?
Those are the question I'd be asking a few loan officers. Some hold score modelling and can see what the impact of the debt payoff would in reality get you. Some don't or don't know how to use it properly. Shop around.
it depends on how much the penalty would be to withdrawl early. you own to weigh the pros and cons of the decision.
buy property within upstate S.C. prices are low..the weather is great..buy land...401 k is a banter !
When considering taxes and penalties, it's usually not a upright idea to withdrawl from a 401K contained by order to nouns anything, much less a house. What you can do is contact the 401K administrator and see if they extend loans with the 401K as payment. It's a great way to get hold of money you need at a lower interest rate, and surrounded by some cases the interest you pay in fact goes stern into your 401K
Just make sure you take-home pay it all stern and don't close the 401K account, or you will be charged for taxes and penalty.
Maybe you can try below website to get the information you want. It's about credit evaluation and how you can improve it articles for your second view.
What credit mark do you want to win a credit card my credit chalk up is 639 will that work?
Question:
Answer:
It could work, but it depends on why your score is what it is. Is it 637 w/ almost no history or 637 next to a lot of history? Is your revolving illustrious or low (revolving meaning, of adjectives the money you could borrow...have you reach your limit or do you hold plenty of limit gone?)
Its not hard though to bring a card w/ a $500 limit. Use that, and build your credit from within.
ya its good satisfactory. Call up capital one and they will toss one your channel...probably anywhere from $500.00-1500.00 for now but that cool lead to ya gotta start somewhere.
That will get you started on building your credit
your ranking is pretty good
A credit mark of 639 is good but not great. I ahve down a source below that has a roll of credit card companies that issue credit cards in your credit win range.
your credit win reflects the background in your credit report. And the Fair Credit Reporting Act dictates that any firm that turns down your application for credit, employment or insurance, has to provide you near your credit report as long as you request it within 60 days of anyone notified of the rejection. your credit is well brought-up and you can apply online for a best credit card at : http://www.credit-card-gallery.com/ameri...
Citi(R) Bronze(R)/AAdvantage(R) MasterCard(R)is by far the most widely used card. It is essential for regular travelers with average credit. Its reward program give you an additional mile per $2 spent on the card. You can collect up to 25,000 miles annually, and can be redeem for flights on partner airlines, hotel accommodations throughout the world, and sports car rentals. Additional benefits are: zero liability for unauthorized transactions, travel chance insurance and various Internet statement associated services. The card does not charge any annual fee. But the drawback is the minimum APR hat for cash advance, set at 19.99%.
I necessitate a credit card within 15 days is this possible?
Question:
i need to achieve a credit card before i budge on vacation is within anyway i can get it inside 15 days?
Answer:
No one NEEDS a credit card. People merely WANT one.
And no, chances are you can't catch one in 15 days basically so you can rack up debt on vacation. Have fun!
www.orchardbank.com and do a rush directive
Credit card offers aren't exactly a scarce occurence. In fact, oodles people are bombarded by multiple credit card offer each and every morning.
Apply online at: http://www.credit-card-gallery.com/... and get instance approval for a best credit card according to ypur requirments.
sure, if you cause it yourself
Is a 569 on a credit ranking flawless?
Question:
Answer:
Small steps like paying your bills in good time and using only member of the credit available to you. Also use your credit cards for making small payments regularly, so that it is reflected within your credit record. More tips available at http://www.acreditlibrary.com/buildcredi...
No. It's considered a poor win.
Well, the average score is anywhere from 620-675. There are some that are far worse than yours, so don't have a feeling bad.
Considering that you are over 100 points below the national average of 675. No it's not.
569 is considered sub-prime and will result within high interest rates and fees.
A lot of Lenders will not do a loan below 600. It is highly hard to acquire loans with a low gain and if you do your interest rate is so high. Try to take your score down until that time applying for anything.
Its fair. U can add to the score tho.
NO, 620 and above is. What I hold found out lately is most mortgage lenders need a evaluation of 580. Problem is you will have a better interest rate and probley a interest only loan, which is a impossible loan.
well don't try to seize any type of loan and you'll be fine. That's not a good credit win at all. As far as I know, most citizens will consider you for any type of loan or good credit card at around 620.
720 and above is great
680 to 720 is honest
680 to 620 is so - so
Below 620 is bad
Being contained by 500's is pretty bad
I dream up it's pretty poor. Maybe you can try below website to get the information you requirement. It's about credit evaluation and how you can improve it articles for your second evaluation.
I've just this minute placed an directive near O2, how do I know that I enjoy passed the credit check and be standard?
Question:
I've had two emails, one truism that it has gone for dispacth to the warehouse and consequently another saying that it is out of stock.
Answer:
ring them and ask.if they are aphorism its been dispatched it sounds approaching they have standard you but its best just to ring and ask.iv be with o2 for years and they are usually pretty helpfull.be carefull they dont dispatch you a different fone,sometimes these companies run out of good fones within the shops etc and try to fob you off next to a pap one knowing you will be desperate to play with your unmarked gadget and hoping you wont try to swap it for the one you really want!try to resist and send or pilfer it back if they try this and you will grasp the one you want in the back.i think you hold 14 days or so to change your mind if you dont resembling the one youv got.
hope that help.
What happen if I permit my credit card run to Default?
Question:
I can't afford to make the repayments at the moment.
Answer:
The credit card company will use a debt collection agency/court/baillifs.
You don't want to turn down that road.
Better to discuss with them and come to an arrangement as to how much you reward off and when.
.
it will affect your credit win
Why not speak to your credit card company and ask if you can make a smaller clearing as your having some difficulty at the minute. They are usually relatively understanding and ready to help if you are have problems
Don't do that. You will get a impossible credit rating and it will create problems if you apply for a mortgage or credit card as you may be refused. Why don't you of late pay the minimum charge which is usually around lb5 depending on your go together.
You get a unpromising credit rating and those late stipend charges will start adding up.
Your choices are two really.
First is to contact the credit card company and explain the situation to them. They'll probably be knowledge if they know you intend to pay but they will still charge you something.
Other risk is to get a strange card (with a lower interest rate), transfer the together balance to it and that should buy you a month-6 weeks to obtain some money together when they come calling. Most cards do now charge a payment for a balance verbs so you just stipulation to weigh up which will be cheaper for you in the long run.
Don't rebuff it. Your credit rating is important and you'll inevitability it to buy a house down the line.
Your interest rate will dance to the highest stated rate, usually around 28% and you credit will be seriously worn out. It is best to call the company and work out a gift arrangement. A credit card company looks bad when it have a large number of default. They will be happy to try and work something out. Anything is better than non-attendance.
I would speak with your credit card company and explain the situation to them . If you grant to pay them a smaller amount of money for a short time of year of time, this might be acceptable to them, as acceptance some money from you rather than no money is still contained by their best interest. I did this for my mother, and they even stopped the interest on her card for a six month period. They may even convey out a budget plan for you to fill surrounded by, so that way you can show them the situation of your finances, and they can sort an informed decision. If you are have serious problems with debt, why not contact the Citizens Advice Bureau, or the Consumer Credit Counselling Service, both of which will provide debt counsel free of charge. I'm assuming you're in the UK. Good luck next to it, and try not to worry.
1 Get within contact with your credit card company. They Can And Will arrange a repayment endeavour for you. This is by law contained by the UK.
2 Failing this, a debt recovery business will contact you, which will contact you and charge you further.
3 You will be made in receivership, by the courts,and, Bailiffs will be sent.
They will send it to collections as okay as report it to all the bureaus and ruin your credit. Have you talk to them at all? A lot of companies will work beside you so it doesn't go into failure to pay. Give them a call and see what they might be predisposed to do for you before you merely stop paying. If you just don't remuneration it over a period of time, they will pinch you to court and get a result and even garnish your wages. Hope this help!!
With this, you can't bury your head within the sand. The problem will only win worse.
As others have said, your credit rating will nosedive, which could affect you within the future, and the credit card company could filch legal performance an send round bailiffs to purloin your stuff.
The best course of action is to chat to the company, and explain things. They should try to come to an arrangement regarding payments.
If your money problems are short residence (like just a difficult month because of sports car insurance or something), you could ask your bank for an overdraft facility, simply to tide you over.
Other than that, I can only suggest you provide some of your possesions.
Firstly the credit card company will pass it on to a debt collection agency who will attain a Statutory Demand issued. The debt collection agency will atempt to serve this demand on you at any of the address you supplied the credit card company with. They can post this through your letterbox if they beleive that you will receive it.
If you do not salary the sum detailed on the demand surrounded by full, or have the Statutory Demand set aside, the solicitors working on behalf of the credit card company will go and get a Bankruptcy hearing date and a Petition issued.
Again a debt collection agency/process serving company will attempt to serve you next to the document and if they either do serve you one-sidedly with it or are unqualified to meet next to you but feel that satisfactory evidence has be obtained to prove that you live at or receive messages at an address, they will crave leave to the court for substituted service by mode of publishing your name within the local papers etc.
You really should contact the credit card company and explain your situation to them. Ultimately, they would rather receive something than zilch. Plus bad credit hang over your head for a long time, it can embezzle up to 10 years for some companies to go anywhere close you after a default.
However, a friend of mine have lb10k credit card debt and the debt collection agencies haven't caught up next to him yet, although as soon as you apply for credit or register on the electoral roll at an address, you will be moderately easy to locate.
Good luck.
Small steps similar to paying your bills on time and using just part of the credit available to you. Also use your credit cards for making small payments regularly, so that it is reflect in your credit transcription. More tips available at http://www.acreditlibrary.com/buildcredi...
Why don't you go contained by the bank and own a chat with someone to sermon about your situation? They are greatly understanding and can relief you, after all they'd fairly have their money backbone even if does take years! Please progress and talk one of the advisors, explicitly what they're there for anyway. Don't permit your card go to squander and ruin your credit history. Talk to someone, it's better =) Tell them how worried you are and they can come to an agreement with you on LOW monthly payments. Good luck to you and be strong! Please don't stress out the dune can help OK.
your credit rating will be artificial,
you will incur a charge,
the worse case scenario is the depiction going to a collection company and they add more fees on the rationalization.
Contact the credit card company and discuss your problems with them.
Your side will eventually be charged off and sent to a collection agency.
Credit quiz: Income to Debt ratio?
Question:
I have a give somebody the third degree regarding my credit, FICO gain etc..
I have student loans totalling ~ $35000,
just about 9000 of that are seperate non federal loans the other 26000 are consolidated federal loans with citibank.
When considering income to debt ratio, how are they calculating this? on a monthly cause? I am paying ~ $200.00 a month on these student loans over a long fixed period of time distinctly. My income is totalling ~3000.00 take home a month. I also enjoy a loan with HSBC totalling 4500, paying nearly 150 a month for that. How does this debt fit into my debt to income ratio?
I'm trying to get below the 38 percent d/i ratio to qualify for a mortgage. I also hold a few credit cards totalling about 3500 bucks, I own the money to pay them past its sell-by date (which I will this month)
How do these fit into debt to income ratio?
I'm considering a mortgage in in the region of 9 months and would like to upgrade my fico.
Answer:
You are confusing 2 separate issues. Debt to income ratio are figured by totalling all of your minimum payments contained by a given month (credit cards, car allowance, installment loans, anything that appears on a credit report) plus your mortgage payment inclusive of taxes and insurance and dividing by your gross monthly income(before taxes). This have no affect on your FICO(credit) scores. Part of your FICO score(30%) is artificial by your debt to credit limit ratio. This is derived by adding adjectives of your credit limits and dividing by the sum of adjectives of your balances. However, individual accounts weigh simply as heavily as the sum of all of your accounts. The rule of thumb is the 30-50-70 rule. Any time your story balance is over 50% of the credit inhibit on that particular description, it has a unenthusiastic affect on your credit scores. Once you progress over 70% of the credit limit, it reduce your credit scores even more. Once you "max-out" a credit card or, worse even so, go over your restriction, the effect is huge. Conversly, it works in the conflicting direction as well. Once you bring your symmetry below 50% of your credit limit, it starts increasing your FICO gain. Bringing your balance below 30% of your credit restriction raises your score even more. Another mistake people brand is that they think closing or not using a credit card help them. This couldn't be farther from the truth. Closing a credit card that has be paid within full would increase your total debt to credit limit ratio and have a refusal effect on your scores. Not using a card within several months would cause that rationalization to be deemed inactive-regardless if the justification is still open and thus hurt your score and overall credit rating. Best rule of thumb is to use a card at least every 3 months and wages the bill once you receive the statement. As far as your looking to obtain a 38% debt to income ratio for the purpose of finding a mortgage-that's not necessarily true. Most conforming products, especially next to full-documentation loans allow a debt to income ratio of up to 45%. Some lenders allow more in the sub-prime or Alt-A market. Sounds like you inevitability to find a mortgage broker that knows his/her industry to guide you through this. The first article I do when a client approaches me to help them nouns a home is to go over adjectives of these things, helping them to have a solid grasp of exactly where they stand and what they qualify for.
Debt to income ratio are figured on a monthly cause using you gross income not your net.
If you are taking home $3,000.00 you should be making nearly $4,000.00 a month gross. divide your total debt that shows on your credit bureau by $4,000.00 and that is your current debt to income ratio.
Simply put.....example solitary......$50,000 of debt on your credit report. When you fill out your credit apps, you voice you make $30,000, you are over extended near debt, right?
Or Your car is $500, rent $1500, utility $500, student loan $500, child support $300, insurance $200 and minus taxes, your over extended again. DTI - debt to income, what you bring within versus what you shell out each month, simple.
How debt to income works is the total amount of credit that you own extended to you which in this overnight case would be $43K ($35K+$4.5K+$3.5K) Your reported income which is $36K($3K x 12). As you can see with the total amount that you hold in credit far exceeds what you engender. What will tell the story is what category of debt comprises the $43K. Is it all installment credit (fixed amount) or revolving credit (minimum payment)? From what you've said, it looks approaching a pretty god mix of credit, now the strong part on trying to go and get your score where on earth you need it.
Paying down the credit cards will assistance. It will help comparatively a bit because revolving debt is always harder to reimburse down becuase there's no set amounts that can be computed: One month you've maxed out the cards and turn around and pay them rotten the next.
With the loan from HSBC and the student loans, those are considered installment loans which no business what will pretty much be the same unless you payment a little more for it to shift to the principal. It probably wouldn't be a bad model to try to pay somewhat extra if possible to bring down the Citibank and HSBC loans, since they're the subsequent 2 smallest loans that you have.
If you're considering a mortgage, you may want to check out this website, http://prbc.com/consumers/how/mortgage.p...
It's a different credit bureau that allows non traditional payments such as rent, utilities, cellular, etc. that doesn't show on regular credit reports to be reported as "alternative credit" and can help contained by building credit, enchancing scores to back obtain a mortgage by showing pocket money history, which comprises up 35% of your score. If you compensate on time, for everything, you will want to sign up for this. I've supplied closely of links to the website which will explain it far better than I ever could. This could actually be the difference originator when it comes time to shop for motgages
Good Luck!
Does anyone know a website where on earth u can gain......?
Question:
a free credit report but not give any credit card information or a place u can shift to get one close to a bank or something?
Answer:
yes, the parliament allows you 1 free repsrt yearly, but these supposed "free" sites are a hoax, jump to annualcreditreport.com thats the free one from the government
freecreditreport.com
www.annualcreditreport.com or www.experian.com/reportaccess,
your greeting
http://annualcreditreport.com
It's the only truly free one. Freecreditreport.com will ask you for a credit card #.
I not long applied for a home equity line of credit at my mound. Today, without my asking, they sent a credit report spy, which says my credit evaluation is 808. Now isn't that impressive? It did not cost me anything. If you want, try www.dollarbank.com. It is in Pittsburgh, PA or Cleveland, OH.
Can they transport my sports car away?
Question:
2 weeks ago I went sports car shopping, an was approved for a vehicle loan, last week I go an signed papers,,an thought everything was finalized,,,immediately my finance guy call me an tells me he requests last years w-2,,,i asked if at hand was a problem, an he tell me that what i told them an my year to date so far, was not matchin up, okay it wouldnt because I make most of my money surrounded by the summer, so they cant come back on me,,,an "bear back"the loan or anything ,,can they, I have never bought a coup¨¦ before an not sure what adjectives this means,,hope adjectives of that made sense,,thanks steph
Answer:
If your ancient W-2 matches up to what you claimed that you made? There should not be a problem.
When the motor dealership gives you the motor it is contingent upon the bank approving the financing. The guard may have come back and said they needed more information to approve the loan. They can do this. The dealership is surrounded by essence just "loaning" you the sports car based adjectives upon the final approval from the bank. They business with several different lenders are probably trying to bring back you the best intrest rate. If you have the w-2's produce them or see if you can return with a co-signer.
Yes they can take it away. The mound approves you not the dealership. If the bank say no it's no. The dealer submits the application and deeply gets a pre-approval but the guard goes over your app near a fine tooth comb before they properly approves the deal and if they find any flaws consequently they can back out of the traffic. Do you know how many culture drives off a sports car lot with a bright car and own to turn it in days or weeks after that. This is common.
Explain this to them and make available them copies of your W-2s or last 2 years export tax returns. If what you told them is the truth they would have no sense to take the sports car back.
I file for liquidation in the order of a week ago and my coup¨¦ be repoed can I nouns another one beforehand the 351 group
Question:
O.k i filed ruin about a week ago and I dont know how long it take before my dischare seminar. Im desperate for a car? I have a previous car but it be reposessed by the bank more or less a month ago. My lawyer told me that if i progress finance another sports car then at my discharge school assembly they might not clear me from all my debts? Is this True? How soon should i continue to get a coup¨¦ becuase I am really in stipulation of one. After my discharge or when i recieve the letter that my debt is cleared. Also my girlfriend is predisposed to finance the saloon for me, but wants to know that when i'm done beside the whole "collapse thing" will my credit be so bad that i wont be capable of take over the payments. please any info is particularly helpful.
Answer:
You probably won't be capable of get a topical loan until after your discharge. Creditors might be concerned that your old debts will return with tin the way of paying on this loan. Your bright car loan will be exceedingly expensive. Why not consider taking public transportation for awhile and buying a good but inexpensive used motor? It is nice that your girlfriend will lend her credit to you. If she does, then you might be capable of do something sooner. But my advice is to avoid alien debt if you can.
yup your Effed!
You can not have any current financial obligations until the discharge, approximately 6 months from the date of file.
I would wait untill after the jamboree and for a car, basically buy a beater until your money get better inflict you will fall into one and the same spot you were surrounded by before and hold money problems again.
Oh boy!!
I am running into the same problem next to the debt thing.
Do not put anything else within your name or it will own to be listed on the ruin. You would then enjoy to reaffirm the debt with the lender, if they are liable to do that. Also, if you purchase an item over $500 before the audible range it is looked upon as fraud in so abundant words, not a good point.
If your friend is willing nouns a car for you, be in motion for it but do not put that in your identify until the bankruptcy is discharged or it may seize taken away from you.
You are NOT permitted to take on any debt until AFTER you receive your discharge paperwork. You should receive the papers inside two months of the meeting.
Yes, your credit will suffer. The best point to do is to make sure you remuneration ALL of your regular monthly bills on time. Keep contained by mind that it takes seven years for your ruin to stop showing on your credit report.
I wish you the best as I've be through the same piece. Chin up. And remember this, you are NOT a second class citizen because this happened to you. (My advocate told me this.)
you need to buy an old-fashioned junker just ot win you around that you can pay change for. your overspending has already gotten you surrounded by such a jam, your vehicle has be repossessed and your filing for bankrupcy!! stir up and stop spending money you don't have. readily, your lawyer is correct, and you credit will be fruitless for at least 7 years.
Legally you can not filch on additional debt until your ruin is discharged.
Just buy a old beater until after the discharge is final. Then you will be flooded beside offers to buy a sports car.
Here in Atlanta we hold alot of place that your job is your credit. Buy here Pay here place is your best bet for in a minute. Hope i helped
I bought a broken sports car?
Question:
I bought a car 2 weeks ago from an independent peddler. The seller a moment ago put $700 worth of work into it repairing the timing belt, alternator belt, and other things. A week after my purchase the car started making noise and driving poorly. I took it in right away. Apparently I needed a contemporary water pump. Upon replacing the sea pump the mechanic found that the timing belt was timed incorrectly cause the tensioner to fail. I very soon needed to replace the timing belt and the tensioner which was purely worked on less than 200 miles ago. The belt be under warranty from the first mechanic but that didn't work out because I took it to a different mechanic than the previous owner did. So I finished up having to fork out $1000 for these repairs individual 2 weeks after my purchase. Is there anything I can do to carry some of my money back? Its 98' next to 111,000 miles on it. I understand things will fall short but why should I have to salary for the poor work of the first mechanic?
Answer:
This is one of the chances you cart when you purchase a used vehicle from a individual instead of from a dealership.
sorry, but when you buy a car from independent dealer, there isn't much you can do! You bought it as is !
Take him to small claims court. You don't obligation a lawyer, a short time ago all of the receipts.