bumblebee asked:

I was in a bad car accident and my car is likely right on the border for being totaled. My problem is, it is a 5 year old car and I still owe $16,000 on it. If my insurance company is good to me, I should just barely be able to get that from them for totaling it. However, I will have no money for a new car, and my credit has taken a hit the last year so I wouldn’t easily be able to get financing on something else.

My question is, if my insurance company totals my car and gives me a check, will the check actually be made out to ME, or will they automatically (or be forced) to give it to my auto loan lender to pay off the car? What I’d like to do is keep paying my loan I already have as if nothing changed, and take my totaled car check and go buy another car outright, but I don’t know if that’s possible or not. Can anyone help?
Everyone who had a “smart” answer: please don’t blame me or act like I’m trying to scam anyone.

Some Additional Resources:
http://www.consumeraffairs.com/automotive/good_car_bad_credit06.html
Buying a Car with Bad Credit – What NOT to Do.. To get a real-time snapshot of average car loan interest rates for your FICO score,

http://www.carsdirect.com/auto-loans/bad-credit-car-loan/
Apply now for a Bad Credit Car Loan or read below for more information. for car loan research and specialists in bad credit car loans. Poor Credit?

I would never commit insurance fraud or anything like that intentionally, that’s why I was ASKING. I didn’t know who it went to – I was just trying to figure out the best way for me to keep a vehicle. I’d never intentionally try and scam or defraud anyone.

How To Live Frugally and Cheaply

kfoshee335 asked:

I have bad credit but have been approved for an auto loan and then a dealer called he got some more info and called me back and told me to come down and see them I asked him if I needed anything down and he told me no and if I had a co-signer that would bring my payments down and I told him I had no one and he said no problem that they could fix me up. When I got there they said I needed a co-signer and when I told them I had no one they lost interest. They did tell me if I found some one They would sell me the car. They even wanted to sell me the truck I wanted and put it in the co-signers name and the truck would be in their name but I would be responsible for the payments, insurance, and tag. This sound wrong. The dealer is a big local one and this just does not sound right. What is up?
Also when he told me I needed a co-signer so my payment would be lower, he said the truck would be in the co-signers name and they would go to him with the paper work later the next week, but I could leave the dealership with the truck.

Some Additional Resources:
http://www.debtworkout.com/bad_credit/auto_loan/car_loan_information.html
. debtors and other bad credit borrowers with the concept that they can buy a car. they work with poor credit purchasers may be honest and forthright dealers.. Bad credit car loans for purchase or refinance. Cars.com – Shop Now

This person did not even have to be a relative. The deal was going to take care of the insurance and I would have to get the tag, He told me to tell the tag people I was doing it for my grandfather. Does this sound right, or fishy?

Clear Your Bankrupsy

michelle asked:

I took out an auto lease for my husband to get a car last july.
(i paid $4000 down for him to get an lease car..still remaining 21 payments amount of $500 per month..)
But i am getting a divorce with him without attorney (actually i am filling marriae nullty because of fraud..also there is no way that i can contact with him..he just left from me and took the leased car.. he is immigration.. tried to get green card through me..) He failed make a payment for two months also didn’t pay for the insurance for a while.. I am a full time student..i can’t handle his car payment.. I called Cops but they can’t help me because it’s a regaI matter..so I called the car finance company in this morning and they told me i can sign up for the voluntary reposseeeion.

Some Additional Resources:
http://www.cbsnews.com/stories/2010/06/23/business/main6611207.shtml
Jun 23, 2010. Detroit Auto Giant Looks to Buoy Sales By Working With Banks to Set Up Deals With Low Credit Scores.

http://www.carbuyingtips.com/finance.htm
Looking for a bad credit auto loan? You should read our chapter for people with bad.. but now you make more money, you’ll find you are cash rich, and credit poor.. With new car buying, the dealer tells you that with bad credit,

http://www.carbuyingtips.com/refinance.htm
A bad credit score can cause you to pay much higher loan interest rates, and can adversely.. “fair”, and “poor”, buckets, charging you lower APR than car dealers.. If you’re buying a car on the hairy edge of what you can afford,

Do you think sign up for voluntary repoesseion is best way for my situation? also how will a voluntary repossession affect my credit?? any penaly??should i wait for the divorce result? please help me..sorry for the bad g
rammars.

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Safari asked:

Is it true that Insurance companies Like AUTO, HOME OWNERS insurance, check your FICO score before giving you insurance rate? If so, WHY? what is the correlation between having bad score, and the insurance rate? I would appreciate any help, and any resources that you can point me too.

Some Additional Resources:
http://www.autocreditexpress.com/
Find car loans for bad credit and subprime auto loans online.. Canada’s leading auto buying and sales services for people who need bad credit auto loans.

THank you!! Im doing this for a school project!

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freedom from debt!

Mike S asked:

I am trying to get approved for a new lease through chrysler the jeep is being sold to me for invoice which is @29k. We were denied under my wifes name today. No repos, she actually already has a Jeep through Chrysler and has never been late in over a year, and she is actually never late on any payments…I make the mortgage payments which are in her name and occassionaly they are late. I think the big problem is I was in a bad accident about 5 months ago. A month later I was told that it was a total..So I stopped making the payments. Needless to say it took the insurance company about 4 months to pay the damn car off which only happened like a few days ago.

Some Additional Resources:
http://www.streetdirectory.com/etoday/auto-loan-refinance-calculator-caoae.html
So auto loan refinance can definitely save a lot of money if only it is done at the right time with the right refinancing company.

So for all I know that is showing on her report as a repo or default or who knows.

I can certainly afford the payment but they will not approve it. Please help, I really need to get this jeep ASAP.

Clear Your Bankrupsy