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Auto Repo
Asked by M.T. from Sacramento
on October 29, 2010
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Hi Moms,
I need some advice on auto repo and how do you bounce back from it? Is bankruptcy the best way to handle it since you no longer have the auto? What is a ...
Answers
- A friend of mine had bought a program car and then the first week her husband had a wreck and nearly died. The car payment was taken out of her checking account and e...
- I worked in auto finance nearly 10 years. I worked accounts that were out for repo. Bankruptcy isn't a good choice if the repo is your only debt. Keep in mind the...
- Hi Mama- I feel for you in this economy. My best advice is to seek out a credit counselor about your debts, what to do regarding paying them off, or seeing if bankrup...
Auto Finance--Do We Have ANY Rights??
Asked by J.H. from Dallas
on January 30, 2008
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Hi Everyone!
I need help. First, I'm not sure what's wrong with me, I've been feeling yucky (stomach) and I'm SO emotional right now. (hope I'm not pregnant!)
Bu...
Answers
- I work at a financial institution and can sometimes hear my collections department. I think that they do have the right to be firm in collecting their money. Believe...
- As a former debt collector, she is trying to scare you. I would get your bill up to date. Some debt collectors have those type of tatics to bully people. Everyone has ...
- J., Sometimes people are just rude. It is her job to collect money - not a fun job I am sure. Why don't you just make sure you pay your bills on time to avoid all...
Inspecting Car from Private Seller + Getting Loan
Asked by M.S. from Dallas
on April 11, 2011
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I'm interested in buying a car from a private seller. I'm not well qualified to judge its mechanical condition, and will want to take it to a mechanic. How do you de...
Answers
- If the private seller refuses to let you have a mechanic check it out, run away. Some mechanics are willing to go mobile to check out a car if the private owner refus...
- When I was shopping around for my first car with my mother, she took me to a private seller who was selling a '69 convertible mustang. It looked slick and I really wan...
- Mobile mechanic to come inspect the car is another option. Maybe you can think of the highest priced make and model car you would like and use that car for the pre-app...
Does Anyone Know About Auto Repossession?
Asked by K.M. from Phoenix
on April 17, 2009
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Hi I am trying to help out a family member find out what her options are now that her car has been repossessed? Her car was repossessed in February and she just recei...
Answers
- I'm sorry to answer this so late. Your friend is, unfortunately, in a very similar position to some many people. You may want to recommend the website www.daveramsey.c...
- I don't know...maybe she needs to let it go since she was upside down anyway. By the time she pays it, she could "buy" the same car for less money if she was upside d...
- My daughter used to work in collections and still works at the same company now, so she knows. This is what she said: She can settle....if a family member or someone ...
Car Repair in Chino?
Asked by M.P. from Los Angeles
on January 3, 2009
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Does anyone have a good personal recommendation for an honest auto shop in Chino or Chino Hills? Thanks!
Answers
- My brothers repair cars and are very honest and reasonably priced. What kind of car do you have?? They'll even loan you one till yours gets done being fixed for free...
- My husband works for the City of Chino and he swears by Chino Tire & Muffler ###-###-####. The owner's name is Paul. It sounds like a lot of the city employees go to h...
- Yes... go to A-1 Lube and Tune in Montclair. He is on State Street. He used to be on Ramona/Mission.. we have been going for over 15 years. He is the most honest, d...
How to Deal with a Teenager That Thinks the World Involves Around Them?
Asked by M.B. from San Francisco
on August 6, 2008
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I have a son who is going on 18. He wrecked the car a few months ago and thinks mom/dad should fix half of the damages. We told him that he needed to get a job so he c...
Answers
- He's 18...He choose not to get a job to get his car fixed. Welcome to the world of consequences. You told him what he had to do to get his car back. He did not foll...
- Life is full of disappointments...sounds like he needs to begin learning that the hard way. Children do not become responsible for themselves and/or their actions if ...
- Tough love? I would say, at best, offer to loan him the 1/2 of the money he wants you to pay. Unless of course he wrecked it being irrisponcible. If you think he is...
What Do You Do About Your Mortgage??
Asked by M.M. from Dallas
on January 1, 2009
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Ladies,
My husband and I had a deep conversation this morning about our home mortgage, and we'd like to know what the norm is. Do most people get a 30 year loan for ...
Answers
- What my friend used to do was get a breakdown from the bank of what amount of the loan went twards intrest/principial every month. Then she would pay the regular payme...
- Good Morning Reba S I work for a title company and most of the closings that have loans are 30 year mortgages. I always suggest in closing that you make extra princ...
- Hi Reba, I have a 30 year note which made my monthly payments affordable. Most people I know have 30 year mortgages. In addition to the monthly note, I add a separa...
Trading in a Vehicle / Leasing
Asked by P.G. from Dallas
on May 11, 2010
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Hi Moms - I have a vehicle that I used in my previous business. It's much too large so we want to trade it in. It looks like trade-in value is better for this size/typ...
Answers
- I guess I am the minority so far :-) lol - I leased once and had no problem. I had always been one to get a new/different car every few years. I traded my old car in a...
- I've always learned NEVER to lease. At the risk of sounding like a broken record, are you familiar with Dave Ramsay? He never advises leasing. My brother, who works ...
- Yep, you will get hosed if you lease. Sell the vehicle outright to a private person or to a one of those auto dealer type dealerships and buy a new used car. Let som...
Question About Buying Our First Home
Asked by M.M. from Columbus
on February 22, 2011
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My husband will be graduating physican assistant school in late May and we are excited to start the process of purchasing our first home. Over the past several years, ...
Answers
- CONGRATULATIONS on becoming a home owner!!! Yes, your debt to income ratio will be considered in your pre-approval for your mortgage. You need to get pre-approve...
- I believe your credit score will be affected by your credit card debt. Your credit score looks at the credit available to you and then how much of that available cred...
- I'm sorry that I can't directly answer your question. I hope that your credit issue doesn't affect the purchase of your home! Sounds like you are on the right road t...
The "Real" Price of a Car
Asked by T.O. from San Francisco
on September 13, 2010
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My husband & I are looking to buy a new Toyota Highlander the price is over 39,000 our salesman told us if we get the loan through them they will knock off $3,000... I...
Answers
- My husband, who works on a car lot, says that if they are willing to knock of 3,000 they will knock of at least another 2,000. Here's what he says you need to do.... ...
- Tell them you will buy it from them if they are willing to sell it to you for X, and then be willing to walk away and look elsewhere. If they want to sell it to you f...
- T., What always works for us is first of all checking the blue book, we print it, after that we go an visit two or three dealerships and look at the price, and compar...
