Archive for the 'Credit' Category


Can they put a lien on my house for a repo car?

Wednesday, December 9th, 2009

Kazra A asked:
My husband and I had a repo back in dec. they sent us a thing saying we had to pay 16,000 or they would go to a collections agency. We have heard thourgh a friend that they can put a lien on our house and seize our bank accounts. We can not [...]

Mobile home repo, dept now sold to collections?

Wednesday, October 28th, 2009

Melissa G asked:
I had a mobile home repo’d in 2001. I was never contacted by the company for the difference after the sale at auction. So I never worried about it. I’ve since found out the dept was sold to a collection agency after the auction. Again, no attempts to [...]

repossession.Now what?

Saturday, October 17th, 2009

Jennifer D asked:
10 years ago I bought a mobile home for 49,000. I lived there with my daughter for 7 years. 3 years ago, I married a wonderful man, and moved into his home. For the last 3 years, I have rented my mobile home to deadbeat tenants, who refuse to pay, and racked [...]

Car repossession question?

Friday, October 9th, 2009

Tu Lee No Mas! asked:
I’m 23. I co-signed for a friend of mine (Big mistake). I did it bc he cosigned for my car when I was 20 and my credit wasn’t good enough. I pay every month on time. He didn’t pay and they were tracking him down. He disappeared from me as [...]

Auto Voluntary Repossession- how bad does this effect your credit and for how long?

Thursday, September 17th, 2009

Gottago44 asked:
We have come to the realization that we have a car payment and insurance payment each month to a car that no longer runs. It is eating $400 a month from our income of only $1400 a month. We can’t do this anymore so we want to give it back. A friend of [...]

In California can I threaten the bank with repossession, if they don’t lower my interest rate? A whopping 16%?

Saturday, September 12th, 2009

Cassandra asked:
Back when we needed a reliable car, we had to take the 16% because our credit was bad, however the salesman said we would be able to refinance after a year. That was not the case because we owe 20K on a 10K vehicle, no bank will refinance that. So we are stuck [...]

Auto Repossession/Credit ?

Wednesday, September 9th, 2009

Cece asked:
Need to know legally in NC if they can garnish, put a lien on a home, or freeze a joint bank account when you voluntarily surrender your auto back to the credit union and you have a large negative equity? The loan is only in the one spouse’s name and not the [...]

Fraudelent Credit Reporting?

Sunday, September 6th, 2009

ajmj2901 asked:
I have a mobile home repossession on my credit file. It is on all 3 of my credit reports. Transunion and Experian both will be dropping these accounts this year. It is being reported to them as closed and in collections. However this company is reporting to Equifax that the account is open [...]

Can we apply for a loan? If I don’t have a credit card?

Sunday, August 23rd, 2009

Guatestuff asked:
I just have my husband’s credit cards extensions (he has got a good record)
I have a credit card from work.
I’m a Uk resident, but no citizen.
Can I apply for a mortgage.
world travel

I have debts in uk and ccj’s how do i go about fixing things

Sunday, June 14th, 2009

Chockybick asked:
I left uk five years ago although i still have a house there. i need to rent it out as i have a mortgage on it so i have put it with an agent. i want to clear my debt as i am fed up with all the letters and now that i [...]