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Hotcakes 16 May 12, 2011 at 5:44 am

For most car loans the collateral for the loan is the vehicle itself. Therefore if the vehicle’s value drops significantly it will decrease the bank’s collateral if you were to stop making payments. This could cause the bank to call the loan.Honesty is the best policy. Discuss with the bank the situation and try to refinance the loan into another type of lending agreement.There should be some options available for you.

Duncan w ™ ® May 12, 2011 at 5:56 pm

So this was all about “I’m lonely”? Sheesh!

Bostonian In MO May 13, 2011 at 5:57 am

Without the 8379 they will take the whole thing and apply it against your debt.If you live in CA, ID, or LA, the 8379 won’t help you because of state debt laws in those states which make even debts that pre-existed the marriage part of the marital estate.In the remaining Community Property states, 1/2 of the refund will go towards the debt if you file the 8379 and the other half will be paid to you.In all other states the refund will be apportioned and will be no less than it would have been if you had filed Married Filing Separately.You can file Form 8379 after the fact though, and you have 3 years to file it for most debts, student loans being one of them. (Support is the one that you only get about 6 months to claim.) The proportional refund will be made about 8 to 12 weeks after you file the 8379.

Sand Dunes May 13, 2011 at 5:44 pm

Well, if you’ve already got people bringing legal action against you for not paying your debts, I’d say your credit is already hosed. Definitely look into bankruptcy (though I know that the laws are tougher than they used to be).You should be getting rid of every monthly service you have that you can do without. Ex: If you have a landline and a cell phone, get rid of one of them.If you can move to a cheaper place, do it.Why can’t you setup a payment plan for your medical expenses? I’ve done this multiple times directly with the hospital and they’ve always been fine with it. Call them and ask to do this.If your husband is taking out loans to go to school, he needs to be taking out loans that cover his school and living expenses. Also, if he’s in school, there are so many scholarships that are never handed out because nobody applies for them. I’m talking about smaller scholarships like a couple hundred dollars but those would REALLY help you, I think. Have him go to the financial aid office.Talk to the bank about a different payment plan for your truck. Hey, the worst they can say is “no”.Good luck.

Let me steer you May 14, 2011 at 5:59 am

Nobody repossesses a vehicle for being 4 days late on a payment.What’s the whole story? There’s more to this tale than you’re telling.

David M May 14, 2011 at 6:09 pm

How did the passage of the Patriot Act impact your earnings? I don’t get that? As to getting a loan, it will be much easier once you’re gainfully employed. Good luck.

Shane May 15, 2011 at 6:12 am

So let me get this straight, you have a contract marriage and want benefits?Or, you’re being played like a banjo so he can reap the benefits of marriage.Eitherway, get a hold of his company commander and tell him that you’re not enrolled in deers and he will probably jam his foot up his ass.You may need to travel to a Military installation to complete the deers application on your end and get your dependents card

theroicoach May 15, 2011 at 5:25 pm

A marriage counselor is going to listen and he/she is going to direct you in the direction of developing a plan but most counselors steer clear of ‘telling you what to do.’ They’re guides on the journey of you figuring things out together. The biggest issue that I see here is the fact that you’re responding to his behavior with alot of talk but no action.You keep saying “I don’t know how much more I can take. I don’t want to live with your addiction” but aren’t you living with his addiction? So, as you fight and tell him that you can’t live with his addiction, you’re still living with him.We don’t change other people. The only person you’re responsible for is you. You cannot change him and him using the money problems to blame you for his life is him acting his shoe size and not his age. Don’t fall into that blame/shame/guilt game. Take responsibility for what’s happened but blame and shame will not get you out of this financial rut.You have to rise above this and not allow his behavior to impact your ability to move forward. Whether you divorce him or not, you’ve got to take the lead in getting YOUR finances straight. That’s not his job; if you were divorced, you’d have to take care of yourself. Why not start now? Do what you have to do now so you can do what you want to do later.He needs help and you aren’t the one to do that for him. He’s got to choose it for himself but keep in mind that every time you make your happiness contingent on his moods, you’re giving him all of your personal power. Don’t do it. Take your personal power back.

mamaflutey May 16, 2011 at 5:30 am

Probably not. You may never get a clear title even.Look for a ‘release of lien notice’ in the mail.

mbrcatz May 16, 2011 at 6:21 pm

A mechanic’s lien doesn’t age off, or expire.So a. yes, a bank holds the title until every last penny is paid off on the loan – including late fees. And there’s no statute of limitations on a mechanic’s lien. b. this seems to be a valid debt. Your defense, is to prove it’s NOT a valid debt. I don’t think you have a chance. You did a voluntary reposession, which didn’t (and doesn’t usually) pay off the loan balance, and you didn’t pay off the loan balance afterwards . You didn’t notify the lender of your change in address. And apparently, you haven’t made any attempts to check your credit report.

STEWIE May 17, 2011 at 6:00 am

People think that if the dealer allows them to drive their new car home, the financing must’ve been 100% approved. That’s NOT TRUE. This is one of the biggest misconceptions people have.Dealer allowed you to take the car home because they BELIEVED that the chances of you being approved were good based on their years of experience. How else do you think people that buy after hours or on weekends are able to drive their cars home when banks are closed? Remember, the finance manager works for the DEALER not the bank. So they have NO SAY in whether you will be approved or not. It usually takes a week or two to receive an answer from the bank.Once all the banks decline to finance you. You will be given two choices. Either sign a new contract with higher down and/or higher APR….. OR cancel the contract and return the car. Dealer must refund you your downpayment and return your trade-in. If they sold it, they can give you its trade in value in cash. To avoid this in the future, get approval BEFORE you walk in to a dealership. You can even do this online at capitaloneautofinance.com or eloan.com. Or go to your own bank or credit union.

Libby May 17, 2011 at 5:26 pm

Truthfully 100% financing does not really exist. You will have to pay for your own closing costs or at least a portion of it (depending on the seller).

godged May 18, 2011 at 6:16 am

I wish I could say this is unusual, but it is not. Hopefully you are using a local lender that is on top of this. Internet lenders have a good track record of missing closing dates and not having docs ready for closing. Good luck!

ElGrande May 18, 2011 at 6:05 pm

You should have a copy of the buyer’s order or loan contract… what amounts are on there? That is what you have to go by. If the paperwork you signed and they agreed to is as you say, then you have a leg to stand on. It all comes to what’s on paper. If you signed an agreement as THEY say and the numbers match what they are asking for, then they can and will repo the truck. Until the lender signs off on it, it belongs to the dealer. However, if what you have in your hand matches the amounts you claim, then the ball’s in your court.*Side note — the bank wouldn’t accept the loan if the price of the truck was too HIGH (as banks will only loan maybe a tiny percentage over retail book if you have excellent credit), but I have no idea why they’re claiming they wouldn’t accept it because it was too LOW. That doesn’t make sense.**EDIT — If you have a signed agreement on the second contract, then you’re fine. My guess is the F&I manager messed up somewhere and is trying to re-write the deal. Stand your ground. HOWEVER, if the lender will not accept the deal as written, this may stop you from owning the car. Again, the deal is not final until the lender signs off. If this happens (the lender denies the deal as written), you have two choices… accept the new terms or decline them and get your downpayment and trade value back. If you know who the lender is, call them in the morning and check on the acceptance status.

茶 ŘǺŴ ΡσώΣŖ 茶 May 19, 2011 at 5:35 am

I agree with that all but rather then:They tell me I’m a Bad American…..BECAUSE:It should beThey tell me I’m a bad Human…… BECAUSE:Since a lot of what you said affects most countries.=)Congrats though!

Goonhilda May 19, 2011 at 6:15 pm

Your husband has already become a failure. His behaviour is evidence of that. He has an opportunity to fix things but doesn’t. So he is already a failure. Tell him that.Tell him if he wants a marriage, he’d better get his finances under control. Most partnerships have one good money manager, and a spendthrift. My partner took a lot of training, but we split the bills now (we both work) and stuff gets paid on time. Tell your partner that it is deeply hurtful to you that he does not consult you in financial matters. Tell him you have been betrayed by him going behind your back and organising loans without consulting you, as your financial record will be affected by any delinquencies on his part. He obviously cannot be trusted.Tell him to sort it out, or pack his bags and tell him to move back to his parents house. He needs some sort of impetus to change, and if he realises that his behaviour is undermining his entire relationship, he might change. Otherwise, you may need to consider separation. He is becoming self destructive, and that will end up hurting you in the long run. If he cannot share this kind of information with you, and doesn’t respect you enough to fulfill his duty as a husband (to be equally responsible for the family’s financial welfare) then he does not deserve you.If he doesn’t change, you need to show him the door. This behaviour is just a symptom of his disrespect for you. You deserve better. There is a difference between being a bit dodgy with money and forgetting to pay a bill, and deliberate deception and emotional manipulation. This man is manipulating you by ‘clamming up’ when you try to discuss the problem. That is his method of control. So don’t give it to him. Tell him if he won’t discuss it, you will leave his belongings outside for him to collect.You are trying to do the right thing for the both of you. If he is too selfish to see that, then you deserve someone better. You deserve to be debt free and with someone who honours your joint obligations, both morally and financially.Best wishes

sdmike May 20, 2011 at 5:32 am

Best thing to do is to ask your existing card holders to consolidate the others. I did this once with Discover and they swallowed all the other credit balances and lowered the rate. You can then concentrate on paying aggressively on that one card and get the balance paid off more quickly. This technique works only if you are lowering your rate AND continuing to make the same total payment. That way you pay down the principal more quickly.

Falcon_01 May 20, 2011 at 5:51 pm

Don’t file for bankruptcy. It’s better to tread water than to sink- because nobody will trust you in the future, especially with the economy being so bad. At least now, since you are meeting your obligations you are doing ok. Look for a new lot to park your home for now, and keep working on paying off your highest interest debt first- focus more one one of the car payments, then roll that money into the other car payment to pay it off faster. Check the financial section at http://www.wnd.comAsk your question there- they will be more helpful!