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Home » Discuss » Archives » General Discussion (1/22-2007 thru 12/14/2010) |
mdmc (1000+ posts) Send PM | Profile | Ignore | Fri Jul-25-08 07:37 PM Original message |
What happens if you can't pay your car payment and credit cards? |
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newmajority (1000+ posts) Send PM | Profile | Ignore | Fri Jul-25-08 07:39 PM Response to Original message |
1. You start singing silly songs in commercials |
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mdmc (1000+ posts) Send PM | Profile | Ignore | Fri Jul-25-08 07:42 PM Response to Reply #1 |
3. We are hurting |
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newmajority (1000+ posts) Send PM | Profile | Ignore | Fri Jul-25-08 07:44 PM Response to Reply #3 |
9. Sorry.... As Bill Clinton says, I feel your pain |
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mdmc (1000+ posts) Send PM | Profile | Ignore | Sat Jul-26-08 04:21 PM Response to Reply #9 |
125. I am very optimistic |
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billyoc (1000+ posts) Send PM | Profile | Ignore | Fri Jul-25-08 07:41 PM Response to Original message |
2. Of course you're not going to jail. |
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mdmc (1000+ posts) Send PM | Profile | Ignore | Fri Jul-25-08 07:44 PM Response to Reply #2 |
10. How will we be hounded |
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grasswire (1000+ posts) Send PM | Profile | Ignore | Fri Jul-25-08 07:45 PM Response to Reply #10 |
14. do you have a job? |
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mdmc (1000+ posts) Send PM | Profile | Ignore | Sat Jul-26-08 04:23 PM Response to Reply #14 |
126. I have two jobs |
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MiniMe (1000+ posts) Send PM | Profile | Ignore | Sat Jul-26-08 09:03 PM Response to Reply #126 |
142. The credit card company can get a judgement against you and a judge |
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newmajority (1000+ posts) Send PM | Profile | Ignore | Fri Jul-25-08 07:48 PM Response to Reply #10 |
22. It's technically possible that the credit card companies could go to court |
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Union Thug (1000+ posts) Send PM | Profile | Ignore | Fri Jul-25-08 07:58 PM Response to Reply #22 |
33. It's more than technically possible... I was sued for |
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Pakhet (308 posts) Send PM | Profile | Ignore | Fri Jul-25-08 11:37 PM Response to Reply #33 |
66. It's not rare |
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Cronus Protagonist (1000+ posts) Send PM | Profile | Ignore | Sun Jul-27-08 02:21 AM Response to Reply #33 |
151. Oh they sue, they win a judgement but still, if you have no money... so what???? |
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billyoc (1000+ posts) Send PM | Profile | Ignore | Fri Jul-25-08 07:54 PM Response to Reply #10 |
28. Oh, no phone, that's great. Just a few letters, I suppose. |
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Dr.Phool (1000+ posts) Send PM | Profile | Ignore | Sat Jul-26-08 05:11 PM Response to Reply #10 |
138. Don't get a phone either. |
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elocs (1000+ posts) Send PM | Profile | Ignore | Fri Jul-25-08 07:42 PM Response to Original message |
4. You can be thankful she is just your girlfriend. Sad, but true. n/t |
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mdmc (1000+ posts) Send PM | Profile | Ignore | Fri Jul-25-08 07:44 PM Response to Reply #4 |
13. I am starting to hear that |
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grasswire (1000+ posts) Send PM | Profile | Ignore | Fri Jul-25-08 07:47 PM Response to Reply #13 |
19. How long have you been dating? |
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mdmc (1000+ posts) Send PM | Profile | Ignore | Sat Jul-26-08 04:25 PM Response to Reply #19 |
127. We have been together two years |
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Maine-ah (1000+ posts) Send PM | Profile | Ignore | Sat Jul-26-08 08:56 PM Response to Reply #127 |
141. call the company that holds the car loan. |
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elocs (1000+ posts) Send PM | Profile | Ignore | Fri Jul-25-08 07:49 PM Response to Reply #13 |
23. Argument and disagreements about money is supposed to be a major cause of divorces. |
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Junkdrawer (1000+ posts) Send PM | Profile | Ignore | Fri Jul-25-08 07:42 PM Response to Original message |
5. Look into Credit Counseling... |
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Atman (1000+ posts) Send PM | Profile | Ignore | Fri Jul-25-08 07:54 PM Response to Reply #5 |
27. Credit counseling is almost always a rip-off |
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Union Thug (1000+ posts) Send PM | Profile | Ignore | Fri Jul-25-08 08:05 PM Response to Reply #27 |
37. point of fact, my attorney specifically told me NOT to work with credit counseling. |
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Junkdrawer (1000+ posts) Send PM | Profile | Ignore | Fri Jul-25-08 08:09 PM Response to Reply #37 |
40. According to this, credit counseling is now required by law before bankruptcy..... |
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Union Thug (1000+ posts) Send PM | Profile | Ignore | Fri Jul-25-08 08:15 PM Response to Reply #40 |
43. Wow - I filed almost ten years ago, before the Predatory Lender Protection act...errr.. |
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Junkdrawer (1000+ posts) Send PM | Profile | Ignore | Fri Jul-25-08 08:19 PM Response to Reply #43 |
44. Sounds to me the question is now not IF you do CC, but WHICH CC is best... |
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Union Thug (1000+ posts) Send PM | Profile | Ignore | Fri Jul-25-08 08:29 PM Response to Reply #44 |
47. Put in mdmc's position, I would consult a lawyer. The battlefield |
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Junkdrawer (1000+ posts) Send PM | Profile | Ignore | Fri Jul-25-08 08:32 PM Response to Reply #47 |
50. I would do the same. But then again, I know a good, honest attorney... |
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Occulus (1000+ posts) Send PM | Profile | Ignore | Sat Jul-26-08 01:33 AM Response to Reply #47 |
82. Argh. Pay for a lawyer, how, exactly? |
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Union Thug (1000+ posts) Send PM | Profile | Ignore | Sat Jul-26-08 12:39 PM Response to Reply #82 |
93. Individual bankruptcies are relatively clear cut and many lawyers have |
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mdmc (1000+ posts) Send PM | Profile | Ignore | Sat Jul-26-08 04:28 PM Response to Reply #82 |
129. thanks for the reply |
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jayfish (1000+ posts) Send PM | Profile | Ignore | Fri Jul-25-08 10:49 PM Response to Reply #40 |
64. It's A Sham. |
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Hassin Bin Sober (1000+ posts) Send PM | Profile | Ignore | Fri Jul-25-08 11:44 PM Response to Reply #40 |
69. The credit counseling required for BK is not the same as ... |
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RebelOne (1000+ posts) Send PM | Profile | Ignore | Mon Jul-28-08 06:57 AM Response to Reply #40 |
189. All you do is go online and take a 2-hour course |
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JeanGrey (1000+ posts) Send PM | Profile | Ignore | Fri Jul-25-08 11:44 PM Response to Reply #27 |
71. My nephew and his wife went to credit counseling and it was |
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Midlodemocrat (1000+ posts) Send PM | Profile | Ignore | Sat Jul-26-08 12:40 PM Response to Reply #27 |
94. That's not true. For profit credit counseling is a rip off. |
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El Pinko (1000+ posts) Send PM | Profile | Ignore | Sun Jul-27-08 08:34 AM Response to Reply #94 |
154. Even the "non-profit" ones are generally run by the CC companies |
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Midlodemocrat (1000+ posts) Send PM | Profile | Ignore | Sun Jul-27-08 01:27 PM Response to Reply #154 |
167. Again, not true. |
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Atman (1000+ posts) Send PM | Profile | Ignore | Sun Jul-27-08 01:49 PM Response to Reply #167 |
170. Being "non-profit" doesn't mean people aren't making money. |
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Midlodemocrat (1000+ posts) Send PM | Profile | Ignore | Sun Jul-27-08 04:14 PM Response to Reply #170 |
172. The not for profit credit counseling companies are not scams. |
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Atman (1000+ posts) Send PM | Profile | Ignore | Sun Jul-27-08 04:56 PM Response to Reply #172 |
174. Many of these companies require you to sign up for an expensive "program." |
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Midlodemocrat (1000+ posts) Send PM | Profile | Ignore | Sun Jul-27-08 11:02 PM Response to Reply #174 |
185. LOL. I work in the non profit sector. I know what I am talking about. |
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Atman (1000+ posts) Send PM | Profile | Ignore | Mon Jul-28-08 07:27 AM Response to Reply #185 |
192. LOL. So what? |
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El Pinko (1000+ posts) Send PM | Profile | Ignore | Mon Jul-28-08 10:30 AM Response to Reply #167 |
194. WRONG. |
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Maureen1322 (392 posts) Send PM | Profile | Ignore | Mon Jul-28-08 06:50 AM Response to Reply #27 |
188. We went to a county agency, there was no charge. |
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jayfish (1000+ posts) Send PM | Profile | Ignore | Fri Jul-25-08 07:55 PM Response to Reply #5 |
30. Don't Do It. |
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Junkdrawer (1000+ posts) Send PM | Profile | Ignore | Fri Jul-25-08 08:03 PM Response to Reply #5 |
36. As I said, look into it...that is, examine your alternatives... |
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grasswire (1000+ posts) Send PM | Profile | Ignore | Fri Jul-25-08 07:42 PM Response to Original message |
6. jail? |
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Sanity Claws (1000+ posts) Send PM | Profile | Ignore | Fri Jul-25-08 07:42 PM Response to Original message |
7. Car can get repossessed |
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JeanGrey (1000+ posts) Send PM | Profile | Ignore | Fri Jul-25-08 11:48 PM Response to Reply #7 |
72. Bankruptcy has changed now - it is not necessarily that great. |
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Occulus (1000+ posts) Send PM | Profile | Ignore | Sat Jul-26-08 01:37 AM Response to Reply #72 |
83. I hate to say this, |
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JeanGrey (1000+ posts) Send PM | Profile | Ignore | Sat Jul-26-08 03:10 PM Response to Reply #83 |
109. You didn't read - it is 1600 for his Bankruptcy payoff (his share) AND |
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MercutioATC (1000+ posts) Send PM | Profile | Ignore | Fri Jul-25-08 07:43 PM Response to Original message |
8. Bankruptcy isn't as extreme as some claim. |
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Union Thug (1000+ posts) Send PM | Profile | Ignore | Fri Jul-25-08 07:47 PM Response to Reply #8 |
18. I can vouch for this. Bankruptcy saved my ass. |
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newmajority (1000+ posts) Send PM | Profile | Ignore | Fri Jul-25-08 07:50 PM Response to Reply #18 |
24. Was that before the recent Bankruptcy "reform" bill? |
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Union Thug (1000+ posts) Send PM | Profile | Ignore | Fri Jul-25-08 07:54 PM Response to Reply #24 |
29. It was before it, thankfully. n/t |
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SoxFan (1000+ posts) Send PM | Profile | Ignore | Sun Jul-27-08 08:33 PM Response to Reply #8 |
184. Keep in mind the nature of the debt |
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JuniperLea (1000+ posts) Send PM | Profile | Ignore | Fri Jul-25-08 07:44 PM Response to Original message |
11. If you don't pay the car payment... |
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grasswire (1000+ posts) Send PM | Profile | Ignore | Fri Jul-25-08 07:46 PM Response to Reply #11 |
17. point of clarification -- HE is not the one owing the money |
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Missy Vixen (1000+ posts) Send PM | Profile | Ignore | Fri Jul-25-08 08:21 PM Response to Reply #11 |
45. It's best to contact everyone ahead of time |
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SoCalDem (1000+ posts) Send PM | Profile | Ignore | Fri Jul-25-08 09:12 PM Response to Reply #11 |
60. Can't "sell" what you don't "own".. The loan-holder has the title |
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JeanGrey (1000+ posts) Send PM | Profile | Ignore | Fri Jul-25-08 11:52 PM Response to Reply #60 |
73. My son bought a 1991 Honda Civic for 900 bucks. So far |
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SoCalDem (1000+ posts) Send PM | Profile | Ignore | Fri Jul-25-08 11:58 PM Response to Reply #73 |
75. y husband still commutes in our 91 accord EX |
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JeanGrey (1000+ posts) Send PM | Profile | Ignore | Sat Jul-26-08 12:09 AM Response to Reply #75 |
77. Oh hell I wished I knew you had a 81 Corolla for sale! |
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Occulus (1000+ posts) Send PM | Profile | Ignore | Sat Jul-26-08 01:40 AM Response to Reply #73 |
84. Auto depreciation is something we need legislation to address |
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Tesha (1000+ posts) Send PM | Profile | Ignore | Sat Jul-26-08 01:16 PM Response to Reply #84 |
100. Why? |
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tammywammy (1000+ posts) Send PM | Profile | Ignore | Sat Jul-26-08 03:35 PM Response to Reply #84 |
117. Why???? |
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Occulus (1000+ posts) Send PM | Profile | Ignore | Sun Jul-27-08 12:55 AM Response to Reply #117 |
146. That's the $64,000 question. |
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Tesha (1000+ posts) Send PM | Profile | Ignore | Sat Jul-26-08 01:11 PM Response to Reply #60 |
99. Of course you can sell a car that has a loan on it; it's done all the time. |
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SoCalDem (1000+ posts) Send PM | Profile | Ignore | Sat Jul-26-08 03:36 PM Response to Reply #99 |
119. The suggestion was for her to sell it, buy something else |
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Tesha (1000+ posts) Send PM | Profile | Ignore | Sun Jul-27-08 08:56 AM Response to Reply #119 |
155. You apparently buy cars that are too new. |
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SoCalDem (1000+ posts) Send PM | Profile | Ignore | Sun Jul-27-08 09:37 AM Response to Reply #155 |
159. We always buy used.. and pay cash |
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CreekDog (1000+ posts) Send PM | Profile | Ignore | Sun Jul-27-08 08:13 PM Response to Reply #155 |
176. actually, get a long term loan with low interest and low monthly payment |
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Tesha (1000+ posts) Send PM | Profile | Ignore | Mon Jul-28-08 07:35 AM Response to Reply #176 |
193. That's a great strategy so long as... |
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Catherine Vincent (1000+ posts) Send PM | Profile | Ignore | Sat Jul-26-08 12:08 AM Response to Reply #11 |
76. How can you sell a car that you're still paying for? nt |
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JeanGrey (1000+ posts) Send PM | Profile | Ignore | Sat Jul-26-08 12:10 AM Response to Reply #76 |
78. People do it all the time. You have to of course give the bank |
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grasswire (1000+ posts) Send PM | Profile | Ignore | Fri Jul-25-08 07:44 PM Response to Original message |
12. are both your names on the rental contract? |
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TomInTib (1000+ posts) Send PM | Profile | Ignore | Fri Jul-25-08 07:45 PM Response to Original message |
15. Unless you are really creative, her car will be repo'd. |
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Union Thug (1000+ posts) Send PM | Profile | Ignore | Fri Jul-25-08 08:07 PM Response to Reply #15 |
38. Yeah, and when they auction off the repo and there remains a balance |
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JeanGrey (1000+ posts) Send PM | Profile | Ignore | Fri Jul-25-08 11:53 PM Response to Reply #38 |
74. Yup and they'll sue for that. |
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TomInTib (1000+ posts) Send PM | Profile | Ignore | Sat Jul-26-08 03:51 PM Response to Reply #38 |
123. Really? Damn, that is really harsh. |
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Union Thug (1000+ posts) Send PM | Profile | Ignore | Fri Jul-25-08 07:45 PM Response to Original message |
16. What will happen? |
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elehhhhna (1000+ posts) Send PM | Profile | Ignore | Sat Jul-26-08 01:31 PM Response to Reply #16 |
104. that depends on the state, re garnishment. |
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CreekDog (1000+ posts) Send PM | Profile | Ignore | Sun Jul-27-08 08:16 PM Response to Reply #16 |
177. does anybody read this OP? |
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aspergris (1000+ posts) Send PM | Profile | Ignore | Fri Jul-25-08 07:47 PM Response to Original message |
20. generally speaking - this is how it works |
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Political Heretic (1000+ posts) Send PM | Profile | Ignore | Sat Jul-26-08 01:56 AM Response to Reply #20 |
87. About the car thing - if you are lucky enough to owe very little, they may write it off as a loss. |
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mdmc (1000+ posts) Send PM | Profile | Ignore | Sat Jul-26-08 04:35 PM Response to Reply #20 |
131. thanks for the reply |
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pitohui (1000+ posts) Send PM | Profile | Ignore | Fri Jul-25-08 07:47 PM Response to Original message |
21. the car will be repo'd, the credit cards are unsecured debt |
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liberalmuse (1000+ posts) Send PM | Profile | Ignore | Fri Jul-25-08 07:51 PM Response to Original message |
25. Bad credit and the car being repossessed are the worst that can happen. |
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pitohui (1000+ posts) Send PM | Profile | Ignore | Fri Jul-25-08 07:52 PM Response to Reply #25 |
26. she didn't move in with the mark because she's looking to fix the problem herself |
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The Velveteen Ocelot (1000+ posts) Send PM | Profile | Ignore | Fri Jul-25-08 07:58 PM Response to Reply #26 |
34. DU's very own Debbie Downer strikes again. |
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kimmylavin (1000+ posts) Send PM | Profile | Ignore | Fri Jul-25-08 08:27 PM Response to Reply #26 |
46. Love is not a "disease". |
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flvegan (1000+ posts) Send PM | Profile | Ignore | Fri Jul-25-08 08:56 PM Response to Reply #26 |
56. Oh, brother. |
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Occulus (1000+ posts) Send PM | Profile | Ignore | Sat Jul-26-08 01:51 AM Response to Reply #56 |
85. I had to log out to see it |
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Midlodemocrat (1000+ posts) Send PM | Profile | Ignore | Sat Jul-26-08 12:42 PM Response to Reply #26 |
95. DU's very own Ray of Sunshine speaks. |
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The Straight Story (1000+ posts) Send PM | Profile | Ignore | Sat Jul-26-08 03:42 PM Response to Reply #26 |
122. I happen to love love myself, and if you knew my wife |
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CreekDog (1000+ posts) Send PM | Profile | Ignore | Sun Jul-27-08 08:19 PM Response to Reply #26 |
178. his girlfriend became disabled, that's why she's not working! |
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depakid (1000+ posts) Send PM | Profile | Ignore | Fri Jul-25-08 07:56 PM Response to Original message |
31. If some company gets a judgment- and you don't show up for a judgment debtors' exam |
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babylonsister (1000+ posts) Send PM | Profile | Ignore | Fri Jul-25-08 07:57 PM Response to Original message |
32. Hi. How long has she been running this deficit? If you're in love, |
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mdmc (1000+ posts) Send PM | Profile | Ignore | Sat Jul-26-08 04:39 PM Response to Reply #32 |
133. thanks for the reply |
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aikoaiko (1000+ posts) Send PM | Profile | Ignore | Fri Jul-25-08 07:58 PM Response to Original message |
35. Sell the car, buy a 2k jalopy. |
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CountAllVotes (1000+ posts) Send PM | Profile | Ignore | Fri Jul-25-08 08:13 PM Response to Reply #35 |
41. that is the best idea yet |
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MercutioATC (1000+ posts) Send PM | Profile | Ignore | Fri Jul-25-08 08:31 PM Response to Reply #35 |
48. She can't sell the car unless she has the money to pay it off. |
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Junkdrawer (1000+ posts) Send PM | Profile | Ignore | Fri Jul-25-08 08:39 PM Response to Reply #48 |
51. Only rarely does one owe less than the resale value of the car. n/t |
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MercutioATC (1000+ posts) Send PM | Profile | Ignore | Fri Jul-25-08 08:47 PM Response to Reply #51 |
53. That's my point. She probably can't sell it for enough to pay it off. |
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Junkdrawer (1000+ posts) Send PM | Profile | Ignore | Fri Jul-25-08 08:50 PM Response to Reply #53 |
54. I know. It's a Catch 22. And if you let them repo the car, you're screwed... |
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MercutioATC (1000+ posts) Send PM | Profile | Ignore | Fri Jul-25-08 08:54 PM Response to Reply #54 |
55. Exactly. The only "solution" is not recommended if you want to stay legal... |
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Occulus (1000+ posts) Send PM | Profile | Ignore | Sat Jul-26-08 01:53 AM Response to Reply #55 |
86. . |
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CreekDog (1000+ posts) Send PM | Profile | Ignore | Sun Jul-27-08 08:23 PM Response to Reply #51 |
180. try getting the resale value of the car |
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aikoaiko (1000+ posts) Send PM | Profile | Ignore | Sat Jul-26-08 12:11 AM Response to Reply #48 |
79. of course, the lien holder gets paid off first, but it can be sold and the title paid off |
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Midlodemocrat (1000+ posts) Send PM | Profile | Ignore | Sat Jul-26-08 12:43 PM Response to Reply #48 |
96. Sure she can. |
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MercutioATC (1000+ posts) Send PM | Profile | Ignore | Sat Jul-26-08 05:23 PM Response to Reply #96 |
139. Yes, IF you can get the entire loan amount as payment... |
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Occulus (1000+ posts) Send PM | Profile | Ignore | Sun Jul-27-08 12:59 AM Response to Reply #96 |
147. I bought an old, old truck for $1 once. |
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Speck Tater (1000+ posts) Send PM | Profile | Ignore | Fri Jul-25-08 08:09 PM Response to Original message |
39. I had an aquintence who went through that. |
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stillcool (1000+ posts) Send PM | Profile | Ignore | Fri Jul-25-08 08:15 PM Response to Original message |
42. bankruptcy.. |
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bonito (1000+ posts) Send PM | Profile | Ignore | Fri Jul-25-08 08:31 PM Response to Original message |
49. Let them take the car |
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Junkdrawer (1000+ posts) Send PM | Profile | Ignore | Fri Jul-25-08 08:42 PM Response to Original message |
52. If you let them repo the car, the lender will sell it at auction for 1/2 the resale value or less... |
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eppur_se_muova (1000+ posts) Send PM | Profile | Ignore | Fri Jul-25-08 08:59 PM Response to Original message |
57. If she's not seriously in arrears on the cards, try calling them. |
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noamnety (1000+ posts) Send PM | Profile | Ignore | Fri Jul-25-08 09:03 PM Response to Original message |
58. the car and insurance have to go. |
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elehhhhna (1000+ posts) Send PM | Profile | Ignore | Sat Jul-26-08 01:36 PM Response to Reply #58 |
105. she can file individually even after they marry, BUT |
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CreekDog (1000+ posts) Send PM | Profile | Ignore | Sun Jul-27-08 08:25 PM Response to Reply #58 |
181. she's not working now because she became disabled |
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SoCalDem (1000+ posts) Send PM | Profile | Ignore | Fri Jul-25-08 09:08 PM Response to Original message |
59. car gets repossessed, cards get "shut off" |
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Joe Holmes (45 posts) Send PM | Profile | Ignore | Fri Jul-25-08 09:51 PM Response to Original message |
61. Well, heres a suggestion- |
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bonito (1000+ posts) Send PM | Profile | Ignore | Fri Jul-25-08 10:35 PM Response to Reply #61 |
62. How does it feel to tread on thin ice? |
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lojasmo (1000+ posts) Send PM | Profile | Ignore | Fri Jul-25-08 10:44 PM Response to Reply #62 |
63. i agree with joe. |
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bonito (1000+ posts) Send PM | Profile | Ignore | Fri Jul-25-08 10:51 PM Response to Reply #63 |
65. Go back to sleep |
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CreekDog (1000+ posts) Send PM | Profile | Ignore | Sun Jul-27-08 08:28 PM Response to Reply #63 |
183. read the OP's later posts. |
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exothermic (570 posts) Send PM | Profile | Ignore | Sat Jul-26-08 01:31 PM Response to Reply #62 |
103. Why would giving sensible advice be viewed as disruptive? |
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Joe Holmes (45 posts) Send PM | Profile | Ignore | Sat Jul-26-08 04:36 PM Response to Reply #103 |
132. There are a lot of |
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NMDemDist2 (1000+ posts) Send PM | Profile | Ignore | Sun Jul-27-08 01:36 AM Response to Reply #132 |
149. he said she was ill. can't work the two jobs she had before the illness |
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Joe Holmes (45 posts) Send PM | Profile | Ignore | Sun Jul-27-08 09:30 AM Response to Reply #149 |
158. he posted the |
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NMDemDist2 (1000+ posts) Send PM | Profile | Ignore | Sun Jul-27-08 08:22 PM Response to Reply #158 |
179. sorry Joe |
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blondie58 (1000+ posts) Send PM | Profile | Ignore | Sun Jul-27-08 10:31 AM Response to Reply #61 |
163. you didn't read the whole piece, Joe |
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siouxsiecreamcheese (534 posts) Send PM | Profile | Ignore | Sun Jul-27-08 04:30 PM Response to Reply #61 |
173. .. |
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CreekDog (1000+ posts) Send PM | Profile | Ignore | Sun Jul-27-08 08:27 PM Response to Reply #61 |
182. what a rude message. |
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JeanGrey (1000+ posts) Send PM | Profile | Ignore | Fri Jul-25-08 11:41 PM Response to Original message |
67. Your car will be reposssed, and your credit card will continue |
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Occulus (1000+ posts) Send PM | Profile | Ignore | Sat Jul-26-08 01:57 AM Response to Reply #67 |
88. The OP could have her get on her CC company's "hardship" program |
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NNN0LHI (1000+ posts) Send PM | Profile | Ignore | Sat Jul-26-08 01:38 PM Response to Reply #88 |
107. I didn't know there was such a thing but thank you for informing us about it |
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JeanGrey (1000+ posts) Send PM | Profile | Ignore | Sat Jul-26-08 03:13 PM Response to Reply #88 |
111. You are extremely lucky. |
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JeanGrey (1000+ posts) Send PM | Profile | Ignore | Fri Jul-25-08 11:43 PM Response to Original message |
68. If they get the car, they can then hound you for the difference |
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Occulus (1000+ posts) Send PM | Profile | Ignore | Sat Jul-26-08 02:00 AM Response to Reply #68 |
89. But I bet what THEY could get for it is more than what SHE could get for it |
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JeanGrey (1000+ posts) Send PM | Profile | Ignore | Sat Jul-26-08 03:11 PM Response to Reply #89 |
110. Not necessarily. They would only sent it to auction and they |
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dsotm-wywh (70 posts) Send PM | Profile | Ignore | Fri Jul-25-08 11:44 PM Response to Original message |
70. Seriously listen to Dave Ramsey |
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backscatter712 (1000+ posts) Send PM | Profile | Ignore | Sat Jul-26-08 01:21 AM Response to Reply #70 |
81. Um, you are legally obligated to make payments on your credit cards. |
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Political Heretic (1000+ posts) Send PM | Profile | Ignore | Sat Jul-26-08 02:02 AM Response to Reply #81 |
90. Right. You are legally obligated. However, you cannot face criminal penalties |
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dsotm-wywh (70 posts) Send PM | Profile | Ignore | Sat Jul-26-08 08:13 AM Response to Reply #90 |
91. Trust me, the debt collection agency isn't going to go through all that trouble |
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backscatter712 (1000+ posts) Send PM | Profile | Ignore | Sat Jul-26-08 01:15 AM Response to Original message |
80. No jail, but it won't be fun either. |
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LWolf (1000+ posts) Send PM | Profile | Ignore | Sat Jul-26-08 08:18 AM Response to Original message |
92. The car will be repossessed. Quickly. |
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Lisa0825 (1000+ posts) Send PM | Profile | Ignore | Sat Jul-26-08 03:22 PM Response to Reply #92 |
112. Depends on state law. |
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LWolf (1000+ posts) Send PM | Profile | Ignore | Sat Jul-26-08 03:30 PM Response to Reply #112 |
114. I wonder how many states that is true for? nt |
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Lisa0825 (1000+ posts) Send PM | Profile | Ignore | Sat Jul-26-08 03:39 PM Response to Reply #114 |
121. There is state by state info linked at the CreditInfoCenter |
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LWolf (1000+ posts) Send PM | Profile | Ignore | Sat Jul-26-08 09:15 PM Response to Reply #121 |
144. I hope the OP checks out the links. nt |
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RadiationTherapy (1000+ posts) Send PM | Profile | Ignore | Sat Jul-26-08 12:44 PM Response to Original message |
97. I had a conversion van voluntarily repossessed in 1997. |
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mrreowwr_kittty (1000+ posts) Send PM | Profile | Ignore | Sat Jul-26-08 12:49 PM Response to Original message |
98. A bunch of DUers will show up to lecture you on fiscal responsibility |
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JeanGrey (1000+ posts) Send PM | Profile | Ignore | Sat Jul-26-08 03:08 PM Response to Reply #98 |
108. Do you see a problem with frugality that might lead to a large |
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mrreowwr_kittty (1000+ posts) Send PM | Profile | Ignore | Sun Jul-27-08 01:16 AM Response to Reply #108 |
148. Actually, yes. In a society that also tells people that spending is their patriotic duty. |
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JeanGrey (1000+ posts) Send PM | Profile | Ignore | Sun Jul-27-08 05:19 AM Response to Reply #148 |
153. Oh PLEASE. You are blaming Bush for people not having savings |
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Pavulon (1000+ posts) Send PM | Profile | Ignore | Sat Jul-26-08 01:18 PM Response to Original message |
101. Here is what you do... |
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Fire Walk With Me (1000+ posts) Send PM | Profile | Ignore | Sat Jul-26-08 01:19 PM Response to Original message |
102. What will happen? |
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scheming daemons (1000+ posts) Send PM | Profile | Ignore | Sat Jul-26-08 01:36 PM Response to Original message |
106. This is harsh, but LEAVE HER. |
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Blue Diadem (1000+ posts) Send PM | Profile | Ignore | Sun Jul-27-08 09:39 AM Response to Reply #106 |
160. You do know she became disabled don't you? n/t |
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Midlodemocrat (1000+ posts) Send PM | Profile | Ignore | Sun Jul-27-08 01:29 PM Response to Reply #106 |
168. John McCain, is that you? Newt? |
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treestar (1000+ posts) Send PM | Profile | Ignore | Sat Jul-26-08 03:27 PM Response to Original message |
113. Car will be reposessed |
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Popol Vuh (1000+ posts) Send PM | Profile | Ignore | Sat Jul-26-08 03:33 PM Response to Original message |
115. Two things |
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tammywammy (1000+ posts) Send PM | Profile | Ignore | Sat Jul-26-08 03:34 PM Response to Original message |
116. Sell the car if you can |
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Lisa0825 (1000+ posts) Send PM | Profile | Ignore | Sat Jul-26-08 03:38 PM Response to Reply #116 |
120. It is better to settle by letter than phone. |
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tammywammy (1000+ posts) Send PM | Profile | Ignore | Sat Jul-26-08 04:33 PM Response to Reply #120 |
130. You're right |
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mdmc (1000+ posts) Send PM | Profile | Ignore | Sat Jul-26-08 04:44 PM Response to Reply #116 |
134. 2004 Dodge Neon with 80k miles on it |
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tammywammy (1000+ posts) Send PM | Profile | Ignore | Sat Jul-26-08 05:02 PM Response to Reply #134 |
136. Depending on the condition of the car |
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Blue Diadem (1000+ posts) Send PM | Profile | Ignore | Sun Jul-27-08 10:07 AM Response to Reply #134 |
161. Here's a website that should give you an indication |
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Lisa0825 (1000+ posts) Send PM | Profile | Ignore | Sat Jul-26-08 03:36 PM Response to Original message |
118. Downgrade your life. |
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mdmc (1000+ posts) Send PM | Profile | Ignore | Sat Jul-26-08 04:45 PM Response to Reply #118 |
135. we have done this |
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NNN0LHI (1000+ posts) Send PM | Profile | Ignore | Sat Jul-26-08 04:16 PM Response to Original message |
124. I feel very sorry for your predicament |
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lame54 (1000+ posts) Send PM | Profile | Ignore | Sat Jul-26-08 04:26 PM Response to Original message |
128. They repo your car and issue you another credit card |
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Keith82718 (2 posts) Send PM | Profile | Ignore | Sat Jul-26-08 05:03 PM Response to Original message |
137. Can't Pay the Car Payment |
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mdmc (1000+ posts) Send PM | Profile | Ignore | Sat Jul-26-08 07:49 PM Response to Reply #137 |
140. Welcome to DU and thanks |
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bonito (1000+ posts) Send PM | Profile | Ignore | Sat Jul-26-08 09:31 PM Response to Reply #137 |
145. Welcome!!! |
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MiniMe (1000+ posts) Send PM | Profile | Ignore | Sat Jul-26-08 09:08 PM Response to Original message |
143. One thing - sounds harsh, but don't marry her until all this is cleared up |
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1 (1000+ posts) Send PM | Profile | Ignore | Sun Jul-27-08 02:11 AM Response to Original message |
150. don't so that this won't happen... |
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HiddenCSLib (38 posts) Send PM | Profile | Ignore | Sun Jul-27-08 02:47 AM Response to Original message |
152. I had to declare bankruptcy |
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OPERATIONMINDCRIME (1000+ posts) Send PM | Profile | Ignore | Sun Jul-27-08 08:57 AM Response to Original message |
156. Honest Question: What Does The Itemized Debt Consist Of? |
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OPERATIONMINDCRIME (1000+ posts) Send PM | Profile | Ignore | Sun Jul-27-08 09:14 AM Response to Original message |
157. Oh, And A Few Other Things: |
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alcibiades_mystery (1000+ posts) Send PM | Profile | Ignore | Sun Jul-27-08 10:21 AM Response to Original message |
162. Declare bankruptcy, or get credit counseling |
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BlooInBloo (1000+ posts) Send PM | Profile | Ignore | Sun Jul-27-08 10:32 AM Response to Original message |
164. Uh, debotr's prison has been outlawed for like 100s of years. |
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blondie58 (1000+ posts) Send PM | Profile | Ignore | Sun Jul-27-08 10:45 AM Response to Original message |
165. I want to tell you, mdmc what a man of great character you are |
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Odious justice (117 posts) Send PM | Profile | Ignore | Sun Jul-27-08 01:25 PM Response to Original message |
166. tell her to file chapter 7 bankruptcy. |
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Kire (1000+ posts) Send PM | Profile | Ignore | Sun Jul-27-08 01:34 PM Response to Reply #166 |
169. "encourage" her to seek professional legal advice about this |
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Odious justice (117 posts) Send PM | Profile | Ignore | Sun Jul-27-08 03:58 PM Response to Reply #169 |
171. Under the current code, a chapter 7 should take about 90 days |
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Kire (1000+ posts) Send PM | Profile | Ignore | Sun Jul-27-08 07:22 PM Response to Reply #171 |
175. 90 days, if you have all your own paperwork together |
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Th1onein (1000+ posts) Send PM | Profile | Ignore | Mon Jul-28-08 12:07 AM Response to Original message |
186. mdmc: I was a debt collector for 8 years for Equifax |
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DailyGrind51 (1000+ posts) Send PM | Profile | Ignore | Mon Jul-28-08 06:36 AM Response to Original message |
187. Give up the car and cancel the credit cards, then negotiate down money owed. |
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Marrah_G (1000+ posts) Send PM | Profile | Ignore | Mon Jul-28-08 07:11 AM Response to Original message |
190. Your girlfriend is going to need to get a second job if she can |
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Lady President (1000+ posts) Send PM | Profile | Ignore | Mon Jul-28-08 07:17 AM Response to Original message |
191. Let CC Co. Garish Wages |
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DU AdBot (1000+ posts) | Fri May 10th 2024, 05:50 PM Response to Original message |
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