How to get a real loan to pay off payday loans?

How to get a real loan to pay off payday loans?

These payday loans are causing us to not be able to pay our everyday bills such as power, water, rent, car payment, etc. They are taking the fees/payment out of our checking account every week. We filed for bankruptcy over 5 years ago. These payday loans keep getting us further and further in debt. What can we do?

Related :

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690 CREDIT SCORE. IS THAT GOOD ENOUGH FOR A CAR LOAN.?
I went to the bank today to see what my credit score was they told me that it was 690 is that good. Ohh and im only twenty. Im wanting a new car by june just wondering to if that would be a good enough credit score to get a loan. And im going to put down $5000 and it will cost $17000.
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How much does it cost to file a personal bankruptcy?
and also, does filing bankruptcy eliminate your debt to social security if you owe them from them over paying you?””
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How can I get approved for debt consolidation loan in Canada.?
Hi, I recently declined for debt consolidation loan at CIBC. My debt with credit card is about $23,000 altogether. Bank staff asked me what I have for security and what job I do with paystubs for a month. I have $3000 used car and $3400 salary a month after the deduction. (Tax, CPP, etc.) I have 2kids and renting 2bedroom apartment which I pay $1300 a month. I keep paying $600–700 a month for credit card payment but I feel like it’s never going to be paid off. (They charge me $400 a month with high interest rate…which means even I pay $600 I only return $200) I wonder how long it takes to pay it off… Debt consolidation loan is also high interest rate with 14.5% a year. Monthly payment to bank is going to be $450/month and 5years to pay off. Actually this is a better plan for me comparing to what I am currently paying to just reduce the credit balance. Anyway I wasn’t approved for a debt consolidation loan, I showed my property such jewelry, watches, furniture etc. with pictures but bank staff said I can only use house and car for security… Is that true?? Only car and house?? I have a lot of staff to sell and I could buy another car to put it on security… What is the best way to get the loan approved for me? (Other than finding a cosigner.) Please give me advice. Thank you.””
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“”How much would a auto loan be if a person makes 4,929.12yearly?
im doing a Car Project for my Financing class and i picked a 1967 Ford Convertible Mustang and im having trouble finding monthly payment loan and interest rate and length of my loan
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Has Anyone Here Ever Declared Bankruptcy?
because of dental fraud meaning my dentist fraudulently charged my credit account $12,000 and $4000 for a day I was not even there. I ahve to fight this, but has anyone ever filed for bankpty because of fraud from another party. What can i do small claims but it’s only $7500?????””
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Auto loan with bad credit and on unemployment?
I’m currently looking into purchasing a used car no more than 5000. I am on unemployment and getting about 1800 a month from that. What do you think the chances are of getting financed on unemployment??
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I have a credit score of 645 is that good for getting my first home?
If I have the score of 645, and my total balance on all my credit cards is $210 ( my monthly income is $2000 ) would that be good for a lender to get me mortgage? if so please give me examples of lenders specifically in brooklyn or those who deal with all the states.””
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“”Where can I find the ice cream companies nearest to Baguio City, Philippines?””
Suppliers of Magnolia, Nestle or Selecta Ice Cream””
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I have very bad credit but im finally debt free. What’s best way to boost my credit score within a year?
I’ve defaulted on 4 of my credit cards from 2007 and finally paid them off(December 2010)
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Who is this loan company that keeps calling me?
this loan company keeps calling me saying i owe them money for a loan that i took from them, i am 100% sure i didn’t take any money from them, they keep threatening to put me in jail and to serve me with papers, they even cursed me out, said they were going to f**k my daughter and wife hard, things like that. I am not scared, just concerned. they keep calling me,is there anyway i can sue for harassment? the location of the number they are calling off says california. Can i sue them? please give me some advice. i really need it.””
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Can I check my credit score online for free??

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Does anyone know how to demagnetize a credit card?

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Can I get a personal loan for a Transunion credit score of 611?
I need a loan of about 4–5,000. I tried appling for one through a company online but they were going to charge an APR of 35%. Which would have me paying them back what I borrowed and then doubled!! Is that the best I’m going to get? I want to try applying for one at my local credit union but I don’t want to just keep applying for loans after loans everywhere putting hard inquiries on my credit and making it worse. Also what is a OK APR for my information? Thanks!””
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Probability?
Assume you have applied for two scholarships, a Merit scholarship (M) and an Athletic scholarship (A) The probability that you receive an Athletic scholarship is 0.18. The probability of receiving both scholarships is 0.11. The probability of getting at least one of the scholarships is 0.3. What is the probability that you will receive a Merit scholarship? What is the probability of receiving the Athletic scholarship given that you have been awarded the Merit scholarship? What is the probability of receiving the Merit scholarship given that you have been awarded the Athletic scholarship? Please help””
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I have a question about getting a free copy of credit report?

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Can I take over my mother’s home and mortgage? Advice please?
Thank you to everyone who has answered. I am not an only child, I have two older brothers. The agreement made between my mother, myself and my brothers is that once my fiance and I sell the house the money received will be split equally between my brothers and I. This is what my mother wishes to do because she has always wanted to leave something for my brothers and I but she would prefer to do it whilst she is still alive to see us enjoy the gift. Also if my mother ever ran into financial problems I would insist on her living at our home free of charge. After all she is my mother and has cared for me and helped me in so many ways throughout my life. To the person who said I wish to do this for my own interests I feel it is not a fair judgement to make as you do not know the situation, as I said I have only listed very basic details. I was looking for advice not opinions on what is right for my family.””
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Is Chapter 7 bankruptcy right for me?
I am seriuosly thinking about filing for chapter 7 but I don’t know if it will be the right move for me. I have over 13,000 in debt right now, and there is no possible way for me to repay these back. I made real bad decisions young in my life, I want a fresh start, especially if I’m looking to buy a house in the next two years. What are the pros and cons? If anyone has filed using chapter 7 can you help me out? Or any lawyers out there with some quick advice? Thanks!””
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What is a wraparound mortgage and are there tax consequences?

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What kind of interest rate do first time buyers get on auto loans?
What other expenses do I need to be aware of when buying a new car? What sort of Insurance rates will I be expecting? Thank You.
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How much money should i save before i move to california from north carolina?
how much should i save each month from now till summer? i work full time at minimum wage, like 7.25. so how much is a reasonable amount before i go off to california? just so you know i dont want to make any sort of snazzy trip driving across country. just want to get to my destination. i want to go to lake tahoe. i lived there before so i know how much rent is and what not but whats a good amount i should save up per month? thanks abunch xx””
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“How to get a real loan to pay off payday loans?

These payday loans are causing us to not be able to pay our everyday bills such as power, water, rent, car payment, etc. They are taking the fees/payment out of our checking account every week. We filed for bankruptcy over 5 years ago. These payday loans keep getting us further and further in debt. What can we do?

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What happens i hit a tree and the car is a total loss?
My car is fully insured and i have a 500 dollar deductible. I bought it used and still owe about 3000 dollars on it. I looked or the blue book value and it varies between 2,000 and 4,800. I bought it or 5000 about 4 months ago. What is going to happen. are they going to pay off my truck? i don’t know or sure if its completely totaled yet but im Pretty sure it is. THe accident is my fault and i am the only one invloved, (there were no other cars)””
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Are there sharks in the indian river(FL)?

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Creditor trying to collect after Ch. 7?
I filed Ch 7 last February. It was a Ch 7 no asset filing. A few months after discharge, I am contacted by a company for a gym membership debt that was not on my credit report and I had forgotten about. I explained that I had filed Bankruptcy and they asked for my Attorney’s name and number, bankruptcy case number etc. I gave them the information. They contacted me again by mail. I called to remind them that I had filed and they had the information. Today, I got another notification to collect and the amount has doubled. It is the same company. What can I do?””
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How do you get your credit score to go up fast?
I was wondering how you could get your credit score to go up after credit inquiries? As I was wondering how do you get it to go up in point value? Parrothead
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Where can I get a free credit report?
I’ve never had my credit checked and I heard that you should do so every so often. What are some legitimate credit report websites? I’m scared of scams and fake ones. Thanks!
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How to withdraw cash from visa prepaid card?
I receive this rebate in form of visa prepaid card, it is annoying and I rather have it in cash. is there a way to withdraw it?””
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#repost

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“”I need a car loan, but I have no credit history?””
I was going to put my dad’s car in my name, but it is way too much so I figured maybe I should just start my own payment for a car in my name. I work two part time jobs bringing in on average $450–500 every two weeks so $1000 a month and I’m in college. I want to take out possibly a thousand dollar loan to use as my down payment for a small car that I could afford and pay about $150–200 a month for the payments. I was denied when I asked for a $7000 loan for my dad’s car, but I figured $1000 is a lot smaller and can be paid back easier. I was thinking about taking out a small loan at a local finance company and making payments on that to show some credit history, but I really need a new car by next month.””
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Does it hurt when a stingray stings you?
Just the ones up by the beach. I’m going to be going on vacation soon, and I heard there are stingrays at this beach. I’m pretty nervous about them and sharks. What happens if one stings you? How bad does it hurt? Do you have to go to the hospital? How common are they?””
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When can you file bankruptcy?
My parent’s friend did it…and no one will tell me why…what is it, when can you file for it and why does it clear away your problems””””???””””””
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Where can i get a free credit report?

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#repost

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Will paying off these debts get me a better APR for auto loan?
I’m looking into buying a new car pretty soon. My current debt/credit ratio is 64%/34%. I know it’s best to have your debt below 25%, and that the ratio makes up about 30% of your credit score. But actual debt to credit is just $2045/$1105. So it’s really not that much. Do auto loans really take into account the actual credit score number as much as what’s on your credit report? I’m just wondering if it will benefit me that much to get that debt down. It would take me a few months, and I really need a car soon as my current one is on it’s last leg.””
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Should I pay off my vehicle loan?
I have enough money to pay off my loan. I was told that if I’m paying for a vehicle loan monthly that my credit will grow or something. I’ve been paying it for over a year. I’m paying for an apartment and utilities so I’m assuming I don’t need to pay for a vehicle loan as well. The problem is that the bank requires me to have full insurance coverage on the vehicle which is running me almost 200$ a month because I am 22. Also the interest on the loan is about 400$ a year. 1. Should I go ahead and pay off the loan and cut the cost of insurance and remove the interest? 2. Would my credit suffer over time or something else happen to it? 3. Also, if I shouldn’t pay off the loan should I try to refinance for a cheaper rate? 4. Is it bad to not have full coverage? The vehicle is only worth like 7k.””
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Auto Loan?
My boyfriend is in the process of buying a new vehicle. His ex-girlfriend co-signed for his current vehicle and he’s going to use the current vehicle as a trade in. What does he need to do to get her off the title of the current vehicle? Does she need to sign forms at the dealership or can we type something up?
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Astrive loan?
I am thinking about getting a loan but I am wondering will it affect the loan that I am already getting through the school it will be a personal loan that will come to me or does that makes a difference
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Who do I talk to if I think someone is stealing my identity?
I went on annelcreditreport.com and filled out my info. The are suppose to let you see your report from 3 different places. On all of mine they said I had huge loans with like $4000 a month payments. Im only 21 and at the time they say I got the loans I wasnt even 18. I have never had any credit in my name. I dont know anyone who could of got my info. My mother and I are very close and she is the only one who knows my info. Who can I talk to about this without having to pay by credit card which I dont have.
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How can I get a loan for personal use?

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“”Why do banks refuse to give auto loans to bad credit risks? but same person can get a 20,000 limit crdit card?

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I just took out my first mortgage on a home. How long do I have to wait before I can refi for a lower rate?

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What banks offer USDA loan?
My wife and I are trying to buy a home. We are young and don’t have a lot of money saved. I was curious about the USDA loan. The positives and the negatives? What is a good bank to go through for the loan? What are others experience with the process?
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Is there any way to get a loan for $2000 with bad credit without getting a payday loan?
i do have a job and have tried everything else, i am desperate. really need help with this one.””
“How to get a real loan to pay off payday loans?

These payday loans are causing us to not be able to pay our everyday bills such as power, water, rent, car payment, etc. They are taking the fees/payment out of our checking account every week. We filed for bankruptcy over 5 years ago. These payday loans keep getting us further and further in debt. What can we do?

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#repost

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“”How to calculate sbi bank home loan 500000/- what is the interest , how to pay emi for 20 years?””
i want state bank of india housing loan 500000/- that’s why i want to know interest of state bank of india housing loan , how to pay emi for 20 years. plz let me give some suggestion””
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Can someone give the Reality of what bankruptcy can do on your on credit?
I do not want to go there.The internet is confusing me on yes/no Tell me straight please I have debt I have credit also
“”
How long does it typically take to complete a chapter 7 bankruptcy?
Nevada, if it matters….””
“”
I want to file bankruptcy but I plan on getting married soon?
I want to file bankruptcy but I also plan on getting married soon? Would it be better to file bankruptcy before I get married or because my spouse has bad credit as well get married as planned and file together? Is a spouse bankruptcy more expensive? But mostly would it be better to file together?
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Related rates question! please help!?
A swimming pool is 50m long and 20m wide. Its depth decreases linearly along the length from 3m to 1m. It is initially empty and is filled at a rate of 1m³/min. How fast is the water level rising 250min after the filling begins? How long will it take to fill the pool?
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Auto loan with 8% interest?
My Navy Federal Credit Union bank offers auto loan with 4.50% interest rate for excellent credit or so borrowers and for me as a so and so credit (I have been using my first credit card for 9 months) it will be with 8.00% interest. Is that a fair deal or bad for me? I know that our economy is in a down time with banks starting to lower interest rate and such…
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How much a credit line increase I will receive with a transunion score of 728. My credit line is 1260 already.?
I never been late on a payment and the balance is 468
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Is it possible to consolidate your auto loan & personal loan together?
Just trying to make one large payment without making 2 separate payments…
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How to pass the background checking for the job offer?

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Which is the best credit card to use in India ??
Hi i wanted to know which bank’s credit card is the best in the market now considering the factors — reward points, discounts and cash back facilities.””
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“”I have a fico of 602. Can i get a car loan? I was thinking of the 11K range, with 1K downpayment.?
Can i get a loan in this situation?
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If i get a debt relief order could I still adopt or foster?
I’ve just split up with my husband and have been left with a lot of debt. I have been advised that a Debt Relief order may be a practical solution. I was however hoping to maybe adopt or long term foster a child in the future. Do you know if this is on my record weather it may stop me?
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“”I’m new to credit cards. What is a statement balance”””” versus a “”””current balance””””? Same or different?””””””
I recently applied for my first credit card and got approved, and have an online account. However, I am a bit confused. My current balance stands at about $50, but my statement balance is at $0. My guess is that the statement balance is the amount I am actually billed, whereas the current balance is simply how much I’ve used during the current billing cycle? What further confuses me is that the due date is today, but when I try to pay, I can’t. I selected pay balance in full””
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Where can i get a free credit repoty?
I went to gofreecredit.com and they are telling me my cardholder name is invalid wtf…? where else can i get a free credit report that wont mess up my credit even more
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Credit score versus credit history?
Here’s my dilemma. I have FICOs between 695 and 740, but I got my first (cosigned) loan 10 months ago. Can I expect to get the auto loans advertised for people with my FICO scores, or am I going to get shafted with a minimal credit history”””” or some line like that?””””””
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What website provides the best credit report for free?
I want to find out what my credit report looks like and my credit score. Can someone offer advice to which websites I should go to that provides the best credit report and score for free? Thanks!
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#repost

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How do real estate companies get mortages?
I was wondering if I should go to a mortage lender company, and have them help me because the way I understand it they are connected to many different lenders. However, if I go through a real estate company, century 21, prudential, do they have financing with only one company, or 2..or do they have a larger network? I don’t want to have to pull my credit a dozen times. I figured I should go to someone who can pull my credit once and run it but with a large group of lenders..does this make sense? Like when I went to get my car they pulled it and ran it through 30 different auto loan companies..does anyone have any idea as to what I should do? I will shop around, I just don’t want to shop to every person in my town. Thanks!””
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What is a purchase interest charge with Chase Credit Cards? Why was I charged it?
I was charged a Purchase Interest Charge. I’ve never been given a charge like that before. What is it? Why did I recieve it? I know it’s not a Purchase Finance Charge because I was already charged that.
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How can I exit this subprime auto loan hole??
If I threw $1400 at the principle on a $6700 balance w/24% interest what will be my balance? (almost debt free)
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If i got a loan from amscot and its not oustanding can i try somewhere else and see if i can get another like the check cashing store?

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Does anyone have the phone number for Quik payday loans?

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“”What is outstanding mortgage”””” ?””””

“”
How much does it cost to get your credit score?
and where can I go to see it?
“How to get a real loan to pay off payday loans?

These payday loans are causing us to not be able to pay our everyday bills such as power, water, rent, car payment, etc. They are taking the fees/payment out of our checking account every week. We filed for bankruptcy over 5 years ago. These payday loans keep getting us further and further in debt. What can we do?

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Where can I pull up my credit report for free?

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#repost

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Bad Credit: How do you handle bad credit that isn’t your own doing?
My friend and I have been considering getting a place together, but she just found out that her credit is pretty much shot. She’s 19, lives at home with her parents, attends college full time, and for the last year has been unemployed due to the crappy economy. She has only two things that could have affected her credit, a couple medical bills that she and her boyfriend are paying off this week. The rest was her parents doing. They signed up for Columbia House several times using what came in the mail to her, and never paid, so it counted against her. They messed up on eBay twice, so they now have an account under he name, using one of her old email addresses. What can she do without getting getting her parents arrested or in trouble for fraud? They’re already pretty difficult, and she doesn’t need anything to make it worse. By the way, she found out that her credit wasn’t good when a cell phone company told her with her credit, she could only do prepaid. They didn’t give her a credit report, but referred her to the credit bureau where she can request a free copy.””
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What is finance for you?

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“”If I get a car/ auto loan, will it go to me?””
I want to put up something on Lending Tree. I have a job and so does my cosigner. I think I’m also going to get another job as well. I need to get out of debt, about 3000, and I really want to buy a car, about 10000, but to be safe I want to ask for 15–20000, because those numbers aren’t exact. I really don’t want to do a personal loan, but I’m a renter, so I don’t know if I have any other options. But then I wanted to know, if someone offered me a car loan, would they send the money straight to me, or would they try to send it to whoever I’m buying it from. Because I’d rather do a school/ car loan cause the interest rates are better, right? (I’m in school btw) Well tell me what loans best and if they’ll give me the auto loan or if they’ll give it to the dealer. This is Lending Tree, so I’m sure they’ll tell me if I qualify or not, I don’t need no one else’s help on that. Thanks, will pick best answer. :P””
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Is the interest rate on the Emerald Advance annual?
It is actually an unsecured loan, having nothing to do with my refund, as I was told I could file with someone else (I use TurboTax anyway). A coworker told me she thought it was a monthly rate. If it is so simple, and it is required that they report it as APR, then I don’t understand why she said she couldn’t answer whether or not it was annual.””
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Can provident loans take me to court?
I had a provident loan of 400 (with interest it was around 600) I paid it for a bit now stopped it as I cant afford it. Its been over 2 years now and they are demanding the 450.00 left or take me to court? can they take give me a CCJ? o
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Is $15k down on a $36k car good?

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Please explain how a mortgage works?
Well, I always thought that you apply for a mortgage, say, for 150,000 (example house price) and, assuming the application is approved, the bank gives you the money and charges and interest rate of, say, 50%. You then have to pay the bank back a total of 225,000 (150,000 + 50%). Say you get this mortgage over 20 years then you will then have to pay 937.50 per month (225,000 / 240 months) for the remainder of this period. Now this to me seems the most logical way a mortgage would work. However, when I ask my mum about how mortgages work she says she is only paying off the interest. This just don’t make any sense to me. When is the principal paid back then? I also know that when the government cuts the interest rate slightly (which then gets passed on to the banks) this reduces the monthly payments of a mortgage lender each month. Why would you only pay the interest back but not the principal? This is just completely confusing. Could someone please explain how a mortgage works and please use an example with numbers, it will be a whole lot easier for me to understand it that way.””
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Does anyone know of any loan sharks or personal lenders in the Atlanta area?

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How to pass the background checking for the job offer?
I used to work in USA from Jan 2005 to Dec 2008. In the end of 2008, the agency still give me an offer letter for the year of 2009 so that I can come back to work whenever the client need me in 2009. Last month, I got a fulltime offer in a bank. And then, the bank HR need to check my background. I think even if I didn’t work in 2009, but I have the employment letter for 2009, so I confirm my working history is from 2005 to 2009. Now, after checking, the HR say my working history is from 2005–2008 instead of 2005–2009. Because of this difference, I may lose the offer. Who can help me to give me some ideas to overcome my problem? I think my problem is I misunderstand the employment letter for 2009.””
“”
Is a 5.2% interest rate too much to pay on a home loan?
I am thinking of borrowing money from the bank for a home loan. The bank offered to give me a fixed interest rate on a 30 year mortgage for 5.2% per year. Do you think this is a good deal or a rip off?
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Do you need a license in order to get an auto loan?
Ok…I wanted to get an auto loan so that i can get my mother a car but i dont have a license. I dont know how they work but i do know that i get a million emails saying that i can get one. can someone please answer this for me!
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HELP! How do i check my credit report instantly online?
Hi, I need to check my credit report instantly online. its an emegency, and i have money in paypal to pay instantly. but most of the credit check agencys take a couple of days to send it to you by post, or its a long procedure! how can i view it instantly???HELP!””
“”
How do I pay my CMG mortgage payment online?

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I need to talk to someone about my credit report?

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Can anyone tell me from experience getting a high interest/bad credit loan vs a debt counselor?
I have made a string of bad decisions in the last year financially. No sad story here, I am just bad with my money. Plain and simple. I have gotten better and I am improving more and more every day, but I am so far behind on everything now, I just cant get caught up. I thought a couple of payday loans were the answer but that only made matters much worse. I have identified what I need to do and with my salary I can pay a pretty hefty loan payment but I just cant get myself to even and start moving forward. Between payday loan fees and NSF fees every month and I just wasting money and I cant get out of that trap. Does anyone have any sound advice or a suggested solution to this nightmare I am in. I just dont know what to do. Any advice would be appreciated. Thank you.””
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Can i file bankruptcy on court fines that are sent to collections?
even when its in collections?
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An address from another state is on my credit report..?
and I have no idea where that is. I’ve sent copies of everything I can think of to the credit bureau and it’s still there. How long does it take to be removed? It’s been 2 months since I sent the requested info.
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Can you trade in a car with negative equity and no down payment?
My current payment is almost 600 and I want to trade it in for a cheaper car so I can have lower car payments. So far 2 car dealerships say that I cannot unless I put down 9 thousand. Can someone out there please help me God Bless
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Is there a bankruptcy refund credit for the 2009 tax year?
Is there any kind of bankruptcy credit that i can claim on my tax return?
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Does anyone have any information on filing bankruptcy?

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#repost

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“”If I file chapter 7 bankruptcy, can they take my business assets?””
I have a lot of credit card debt, I’m about to be foreclosed on my primary home, I have a mountain of medical bills. I also have a sole proprietor business and a second home that was rented until recently. If I file Chapter 7, can they take my second home and my business away?””
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Freecreditreport.com?
how long does your credit report take to show up to your email? i did it like a week ago and nothing has been sent to me yet. if you know anything please let me know thank you :)
“How to get a real loan to pay off payday loans?

These payday loans are causing us to not be able to pay our everyday bills such as power, water, rent, car payment, etc. They are taking the fees/payment out of our checking account every week. We filed for bankruptcy over 5 years ago. These payday loans keep getting us further and further in debt. What can we do?

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