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Bankruptcy + Auto Loan Question...

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THE4RINGZ's avatar

THE4RINGZ

R.I.P Thread Bomber

16,816 posts
Jan 31, 2011 11:27 PM
Don't get a high interest loan. Find a $300-400 beater you can pay cash for. Use it and save up some money. Then find a car you can buy with the cash you have saved. Keep you eyes open ask friends co-workers, etc if the or a family member have a car they are looking to sell.

You cannot finance yourself out of a situation that finances got you into.

Be patient, swallow your pride, and get on a cash basis for your transportation needs.

I have not had a car loan since 1991. I own 5 cars which were purchased used with cash.
Jan 31, 2011 11:27pm
DeyDurkie5's avatar

DeyDurkie5

Senior Member

11,324 posts
Jan 31, 2011 11:28 PM
september63;660076 wrote:Permission for what? To think you are a dickhead? I had already come to this conclusion without your permission. TY for the permission, none the less.

you are an artard, it's from south park...I JUST ADDRESSED YOU
Jan 31, 2011 11:28pm
september63's avatar

september63

Senior Member

5,789 posts
Jan 31, 2011 11:31 PM
DeyDurkie5;660090 wrote:you are an artard, it's from south park...I JUST ADDRESSED YOU

Are you enigmaax? Why are you putting your dumb ass two cents into this? Did it involve you?

Do I come and get involved in every dumb ass argument you have here?
Jan 31, 2011 11:31pm
DeyDurkie5's avatar

DeyDurkie5

Senior Member

11,324 posts
Jan 31, 2011 11:37 PM
september63;660094 wrote:Are you enigmaax? Why are you putting your dumb ass two cents into this? Did it involve you?

Do I come and get involved in every dumb ass argument you have here?

I JUST ADDRESSED YOU SIR
Jan 31, 2011 11:37pm
E

enigmaax

Senior Member

4,511 posts
Jan 31, 2011 11:41 PM
september63;660094 wrote:Are you justincredible? Why are you putting your dumb ass two cents into this? Did it involve you?

Do I come and get involved in every dumb ass argument you have here?

That is EXACTLY what I was asking!
Jan 31, 2011 11:41pm
september63's avatar

september63

Senior Member

5,789 posts
Feb 1, 2011 12:18 AM
LOL
Feb 1, 2011 12:18am
C

Con_Alma

Senior Member

12,198 posts
Feb 1, 2011 8:04 AM
THE4RINGZ;660087 wrote:Don't get a high interest loan. Find a $300-400 beater you can pay cash for. Use it and save up some money. Then find a car you can buy with the cash you have saved. Keep you eyes open ask friends co-workers, etc if the or a family member have a car they are looking to sell.

You cannot finance yourself out of a situation that finances got you into.

Be patient, swallow your pride, and get on a cash basis for your transportation needs.

I have not had a car loan since 1991. I own 5 cars which were purchased used with cash.

Great post.

Great advice.
Feb 1, 2011 8:04am
mucalum49's avatar

mucalum49

Senior Member

1,639 posts
Feb 1, 2011 9:18 AM
Where are you in NC? Down here on South Blvd in Charlotte and out in Monroe is a place called iCarsNow. Its probably like a JD Byrider place, the website has this on it:

"Here at icarsnow, your job is your credit. We specialize in dealing with people that have good credit, bad credit or trying to get credit established. Please contact us with any questions or concerns."
Feb 1, 2011 9:18am
R

Riverwood

Junior Member

8 posts
Feb 1, 2011 10:13 AM
I'm in the Raleigh area.

Thanks for all of the suggestions. I currently have a Honda Accord with 233,000 miles on it. I have about driven it until the wheels fall off, almost literally. I am not too proud to drive a junker as I have most of my life. To be honest, I think that $4,000 is pretty modest. I do need something reliable as I drive about 25 miles (40 min) each way. Contrary to what someone stated before, I do need a car to get to work. I am not in an area of public transportation and I don't have coworkers that live anywhere near me.

I was hoping to find an independent company to loan me the money for a couple of reasons. There are a few vehicles for sale by owner. And, if I have the money before going to the dealership, I feel I have the upper hand a little.

Thanks for the responses.
Feb 1, 2011 10:13am
B

Bigdogg

Senior Member

1,429 posts
Feb 1, 2011 10:19 AM
Well, I think even though you can't change the past, others can learn from you. I would never marry anyone without running a credit check on them. That's my advice now.
Feb 1, 2011 10:19am
sleeper's avatar

sleeper

Legend

27,879 posts
Feb 1, 2011 12:20 PM
Bigdogg;660435 wrote:Well, I think even though you can't change the past, others can learn from you. I would never marry anyone without running a credit check on them. That's my advice now.

If you have to run a credit check on a woman, you shouldn't even marry her.
Feb 1, 2011 12:20pm
FatHobbit's avatar

FatHobbit

Senior Member

8,651 posts
Feb 1, 2011 12:28 PM
sleeper;660562 wrote:If you have to run a credit check on a woman, you shouldn't even marry her.

Bitches lie. Some of them are really good at it.
Feb 1, 2011 12:28pm
O-Trap's avatar

O-Trap

Chief Shenanigans Officer

14,994 posts
Feb 1, 2011 12:33 PM
september63;659657 wrote:Best advice would have been to date her until her finances were better. Marry her when her credit rating approached your own?
Had a buddy who got engaged, but refused to set a date until she got her credit up.

When she defaulted on a CC after that, he broke it off.
FatHobbit;660570 wrote:Bitches lie. Some of them are really good at it.

This. My wife and I checked our credit together before getting married. We had little credit history at the time, but what we had was good.
Feb 1, 2011 12:33pm
B

Bigdogg

Senior Member

1,429 posts
Feb 1, 2011 2:18 PM
sleeper;660562 wrote:If you have to run a credit check on a woman, you shouldn't even marry her.

Trust but verify, but hey don't take my advice.
Feb 1, 2011 2:18pm
R

rydawg5

Senior Member

2,639 posts
Feb 1, 2011 2:34 PM
true love is hard to find. sometimes you think you find true love until you discover that your fiance has a poor credit score.
Feb 1, 2011 2:34pm
LJ's avatar

LJ

Senior Member

16,351 posts
Feb 1, 2011 2:43 PM
Bigdogg;660435 wrote:Well, I think even though you can't change the past, others can learn from you. I would never marry anyone without running a credit check on them. That's my advice now.

My fiancee has an 800+ combined credit score but 190k in student loans, which would you rather have?
Feb 1, 2011 2:43pm
-Society-'s avatar

-Society-

Senior Member

1,348 posts
Feb 1, 2011 2:46 PM
LJ;660754 wrote:My fiancee has an 800+ combined credit score but 190k in student loans, which would you rather have?

Having seen pics of your fiancee, I would take the 190k in student loans.
Feb 1, 2011 2:46pm
LJ's avatar

LJ

Senior Member

16,351 posts
Feb 1, 2011 2:48 PM
-Society-;660758 wrote:Having seen pics of your fiancee, I would take the 190k in student loans.

Ohhhhh, sick burn bro.
Feb 1, 2011 2:48pm
-Society-'s avatar

-Society-

Senior Member

1,348 posts
Feb 1, 2011 2:50 PM
LJ;660762 wrote:Ohhhhh, sick burn bro.

Just here for the truth, bro!
Feb 1, 2011 2:50pm
LJ's avatar

LJ

Senior Member

16,351 posts
Feb 1, 2011 2:52 PM
-Society-;660766 wrote:Just here for the truth, bro!

You are so sweet sometimes it just melts my heart. So glad you are back.
Feb 1, 2011 2:52pm
-Society-'s avatar

-Society-

Senior Member

1,348 posts
Feb 1, 2011 2:56 PM
LJ;660771 wrote:You are so sweet sometimes it just melts my heart. So glad you are back.

It feels good to be this close to you. Tell me again how fucking awesome you are and how you know everything. I miss these parts.
Feb 1, 2011 2:56pm
LJ's avatar

LJ

Senior Member

16,351 posts
Feb 1, 2011 2:57 PM
-Society-;660777 wrote:It feels good to be this close to you. Tell me again how fucking awesome you are and how you know everything. I miss these parts.

How about you tell me how you troll me and want me to get all pissy with you? I think that is a better story.
Feb 1, 2011 2:57pm
O-Trap's avatar

O-Trap

Chief Shenanigans Officer

14,994 posts
Feb 1, 2011 3:00 PM
We all need a little Kumbaya.

Feb 1, 2011 3:00pm
-Society-'s avatar

-Society-

Senior Member

1,348 posts
Feb 1, 2011 3:00 PM
LJ;660778 wrote:How about you tell me how you troll me and want me to get all pissy with you? I think that is a better story.

Don't be getting upset on me now. You'll be alright.
Feb 1, 2011 3:00pm
LJ's avatar

LJ

Senior Member

16,351 posts
Feb 1, 2011 3:01 PM
-Society-;660783 wrote:Don't be getting upset on me now. You'll be alright.

Oh I am happy as can be.

Ok, back on topic.
Feb 1, 2011 3:01pm