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If you file for a Chapter 7 bankruptcy, what will happen to your vehicle? Most Chapter 7 filers have to decide whether they want to keep their car or surrender it to the lender.
Continue ReadingIf you file for a Chapter 7 bankruptcy, what will happen to your vehicle? Most Chapter 7 filers have to decide whether they want to keep their car or surrender it to the lender.
Continue ReadingDifferent states calculate vehicle registration fees in different ways. Some states will base your fee on how much your car weighs, while others charge a flat rate for all vehicles. And there are several states that take the value of your car into consideration to determine how much you will pay to register the vehicle. Flat fees and weight-based fees are not tax deductible, but if the amount that you pay is based on a Kelley Blue Book value, this fee may be a valid deduction on your federal tax return.
Continue ReadingChapter 13 is one of the two types of bankruptcy normally filed by consumers in the U.S. In a Chapter 13 bankruptcy, filers are usually able to keep their property. However, there are rules about vehicles and car payments.
Continue ReadingBoth renters and home owners with damaged credit can be approved for auto financing, but owning a home will give you an advantage.
Continue ReadingHaving no credit (or being a “credit ghost”) can be just as problematic has having bad credit. Luckily, there are actions you can take to help you build a good credit history.
Continue ReadingManaging an auto loan is a great way to repair and rebuild damaged credit, while meeting a need for reliable transportation. With timely repayment, your credit situation can improve enough so that refinancing is an option. Refinancing is when you apply for a new loan, typically with lower interest rates. The question isn't if you should refinance, but when.
Continue ReadingIt would be great if a wave of a magic wand could fix your credit overnight. And while that can't happen, there are steps that you can take to accelerate the recovery of your good credit.
Continue ReadingIf you have damaged, credit, a certified pre-owned vehicle may be a good option for you to consider. While you will pay a little more than you would for a regular used car, the peace of mind that you will get from the purchase may be worth the higher price tag.
Continue ReadingNegative equity, or being upside-down in a loan, can cause quite a predicament if you decide that you want to sell a car that has a lower value than what you still owe on the loan. The best way to deal with negative equity is to take preventive measures right in the beginning. However, if you find that you are upside-down in your loan, there are still actions that you can take.
Continue ReadingHaving a cosigner can improve your loan approval chances, but if you either don't have a cosigner or wish to avoid using one, there are other actions that you can take to ensure your success in acquiring auto loan financing. If you have time to improve your credit before buying the car, this will be beneficial both now and in the long term.
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