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puzzlefan2000 | How will this work? |
My husband and I are considering bankruptcy. We have about 50,000 in debt and he recently lost his job through no fault of his own. We want to keep our vehicles that have financing out there as well as our mobile home. My question is when we go to reaffirm our mobile home loan, do they have to contact the co-signer also(my parents) and will it also show on their credit report? I do not them to know about this at this time. We are good people that were paying there bills and then were struck down and out of luck. Any answers would be helpful but please no critisicm. |
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moleary1018
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If you default on your loan, or file bankruptcy, your parents will still be liable for the loan. They really need to be aware of the situation in case it worsens and they need to start making arrangements to cover their obligations.
If you can get rid of one or both cars that would be best - downsize to one less expensive automobile until you can get back on your feet.
Also - bankruptcy is not the solution it used to be. I really suggest you contact the companies you have obligations to and see if you can work out a plan to pay them back without filing for bankruptcy. You may be able to get them to agree to suspend your payments for a few months, or at least lower your interest rates drastically. They don't want you in bankruptcy anymore than you want to be there!
Best of luck to you and your family - don't worry, you aren't alone in this situation! |
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David b
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Lots of people think that once they’ve filed for bankruptcy they will be unable to ever get a loan again, and ultimately they are unable to do anything financial ever again. This isn’t always true, there are<!--always ways to improve your financial standing, and there are also ways to repair your damaged credit rating.
http://badcredits.awardspace.com/Bankruptcy.htm
In fact one of the best ways to improve your credit rating is to refinance your home mortgage, this-->will help to improve your credit history in a number of different ways. |
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traceybryan_2000
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I admire you for being concerned about your parents' credit, but unfortunately I can't answer your question. Good luck!
Addendum: Shame on you, Jon T, for suggesting using credit cards to pay out the secured loans and then declare bankruptcy. If that's not illegal, it should be - it's certainly unethical. |
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Diane L
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Sorry but it will show on their credit and yes you have to have them with you when you go to refinance the home so they can sign off on their part stating they will no longer be on the loan. If you have paid on the loan on time every month for a year you can refinance with out their help. If you file bankruptcy you will not be able to. If your husband has lost his job you will not be able to refinance. If you had to have your parents before all this happened to cosign it doesn't look better now just worse. You better tell them before it is to late. One option is sell the home before you ruin both your credits. |
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Fit 4 A King
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as a co-signer they are responsible for anything you and your husband will do, thats what they signed it states that anything, any payments or anything have anything to do with what you both signed for is a problem of theres also. so yes it will be on there credit report also because its partial there responsibilty, sounds like you and your husband need 2jobs. good luck. |
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Ollie's Mommy
 |
If you can get by without filing bankruptcy that would be best. Bankruptcy will hurt you for a long time to come. Try going to a debt management company such as Consolidated Credit Counseling or something and see if they can work with you to get your debt under control. That will show up on your credit report as well, but it bodes a lot better for you that you are trying to pay off your debt instead of getting out of it. If your debt is strictly with your car loans and mobile home, then try refinancing for a lower payment or even consider getting rid of one car to get rid of that payment altogether. If you refinance your loan without your parents as co-signers they will simply notify them that the loan has been paid off. |
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SloMotion Like Snail
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It will show up negatively for the co-signer. |
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Jon T
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Depending on the State, but in general yes it will show on there credit.
I would go for restructuring bankruptcy and pay that loan that was cosigned off first.
Better yet before you claim you should sell as much stuff as you can and pay off that loan or use your credit cards to pay that one off since you know you will be filling soon.
Good Luck and sorry about your position in life it will get better. |
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