 What should I do about my situation with being a co signer? |
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lx_chik | I need advice on a loan? |
I have a loan out that i got maybe like 3- 4 months ago, to supposably pay off my credit cards, which i did then max'd them out again, I recently bought a 30,000 dollar car w/ a co signer, and I was wondering do you think they'll approve me for a 6500 dollar debt consolodation loan ? ? i also have a bike payment that i owe like 6500 to.. O i was also wondering do you think that I can get a loan to pay off my car and bike and credit cards and just have one huge monthly payment? cuz alone my car payment is 650.00 bucks, so I was wondering if i get a co signer to do all of that do u think its possible do combine all of my bills? or would it be harder? cuz then i would have a 44,000 dollar loan out ? |
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blaiseshimmer
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I'd hate to think what the interest rates on all your loans are. Getting a co-signer is not going to help you - please don't take this the wrong way, but you need to figure out how to control your expenses before you run out of co-signers and/or get yet another loan and get permanently over your head.
If you have at least a decent payment history, you might be able to consolidate your loans, so the first place you might head for is a financial advisor (not one of those debt consolidation services, since they exist for those already at the brink of bankruptcy), then the bank which has the largest/most loans with you. |
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laneramadonna
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Stop getting loans and co-signs etc. Get out of debt ASAP.
Which do you need most? The bike or the car?
You can not OWE for both. You can't afford both right now.
Assuming you are over 18, sell the bike. Pay more than just the minimum on your loans/credit cards.
Cut up the credit cards. You have no discipline.
Get help. Seek a finanical credit counselor to assist you.
You don't need a loan. You need financial education ASAP!
Consider supplementing your income to pay off debts faster like http://www.Goodshephard.Free1up.com or something like it. |
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casey s
 |
Holy Crap!
Get rid of the car before it depreciates any more. Trade for a used Toyota or something, a cheap used Toyota. Sell the bike, unless you can use that instead of the car (all the better!).
Get control of yourself - start with your spending, pay off each credit card, as fast as you can without the car payment then destroy all but one of them. Keep one for an emergency, call the credit card company of the one you keep and tell them to reduce your limit to like $3000. Seriously. How often have you ever needed more than that at one time?
The go to the person that cosigned your car loan, and smack them, then tell them your whole financial history so they will not hop on your backruptcy train again. Then develop a budget and live by it until you have enough money in the bank to go and pay cash for that same car you have now. Then you can pat yourself on the back and know what it is like to be on the other side of debt and I promise you will never go back.
You must make decent money to afford the lifestyle you have now, just rein it in for a few months and get control. |
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JQ
|
Sell the car and get a cheaper one. Sell the bike and pay off the loan, use extra money to pay down your debt. Try your local bank or credit union, but I wouldn't hold out too much hope.
Do not charge another thing until what you owe now is paid off. Cut up your cards - they only harm you at this point!
You may want to seek help on how to spend your money wisely, some cities have free counseling on this sort of thing, I would check around. |
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SCH
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Wow...you hit every branch on the way down when you fell out of the stupid tree! If you have a home you may be able to get a home equity loan...but this time CLOSE OUT YOUR CREDIT CARDS!!!!!!!!!!!!! |
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nwoottonn
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Jebus mate! Stop getting loans!!!
Just found a loan review site: |
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Chris e
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I AM MR PETERSON,A PRIVATE LOAN LENDER RESIDENT IN THE USA.WITH OVER 7YRS OF EXPERIENCE.I GRANT GENUINE LOANS TO PEOPLE OF DIFFERENT FINANCIAL BACK GROUNDS,AND FOR DIFFERENT PURPOSES.AT A MODEST RATE.DO CONTACT ME IF INTERESTED VIA peterson.loaninvestment@yahoo.com.for more information.Services Rendered include;
*Refinance
*Home Improvement
*Auto Loans
*Debt Consolidation
*Line of Credit
*Second Mortgage
*Business Loans
*Personal Loans
*International Loans |
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