Question
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May 9, 2008, 09:29 PM
|  | Vision Expert  | | Join Date: Oct 2007 Location: Vancouver, Washington
Posts: 3,197
| | | Getting a loan with debt
I have $182 in debt (in collections). I already know that I can't get a personal loan from a bank with this on my credit history. What I need to know is, will they approve a car title loan with this debt? Or can I use a co-signer with this debt?
If I have a co-signer, is it possible to have that person removed from the account at a later date?
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Answers
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May 10, 2008, 02:47 PM
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#11
| | Vision Expert
Join Date: Oct 2007 Location: Vancouver, Washington
Posts: 3,197
| I have not turned down any jobs. I've sent in over 150 applications, and had 13 interviews.
And how is getting a loan once I have a job snowballing debt? I know how to pay my bills. It won't be a large loan, just one to cover my past due bills. |
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May 10, 2008, 02:51 PM
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#12
| | | Health Expert
Join Date: Apr 2006 Location: La La Land
Posts: 17,989
Pay to call J_9 for advice ($.75/min) | Have you considered the interest rates? I'm speaking from experience, not trying to chastise you, just giving advice is all.
I read your blog page and you stated that many of the jobs were "denied." Were they denied by you or were you turned down for employment? | |
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May 10, 2008, 02:55 PM
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#13
| | Vision Expert
Join Date: Oct 2007 Location: Vancouver, Washington
Posts: 3,197
| I was turned down for employment.
I know the interest rates. This doesn't bother me, as I will be able to pay the loan off in 3-4 months. | |
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May 28, 2008, 11:14 AM
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#14
| | New Member
Join Date: May 2008
Posts: 7
| Quote: | Originally Posted by ChihuahuaMomma I have $182 in debt (in collections). I already know that I can't get a personal loan from a bank with this on my credit history. What I need to know is, will they approve a car title loan with this debt? Or can I use a co-signer with this debt?
If I have a co-signer, is it possible to have that person removed from the account at a later date? |
I would not get a car title loan. Those sources of loans charge you an outrageous amount of interest and only keep in in a revolving web of debt. | |
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May 28, 2008, 11:15 AM
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#15
| | Vision Expert
Join Date: Oct 2007 Location: Vancouver, Washington
Posts: 3,197
| Yeah, I can't anyways since I had to register for a lost title (couldn't find mine), and it'll take 8 weeks. Oh well! Better not! | |
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May 28, 2008, 12:02 PM
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#16
| | New Member
Join Date: May 2008
Posts: 7
| At that small amount your best bet is to pay monthly as possbile. It should only take you a couple of months and then you are debt free. Something that very few of us can say. You go girl! | |
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May 28, 2008, 12:03 PM
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#17
| | New Member
Join Date: May 2008
Posts: 7
| If that is the only debt you owe you could easily get a loan for a car. Sorry, I misunderstood. | |
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May 28, 2008, 12:04 PM
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#18
| | Vision Expert
Join Date: Oct 2007 Location: Vancouver, Washington
Posts: 3,197
| Quote: | Originally Posted by monroeangel If that is the only debt you owe you could easily get a loan for a car. Sorry, I misunderstood. |
I'm not trying to get a car loan.. | |
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May 28, 2008, 12:05 PM
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#19
| | New Member
Join Date: May 2008
Posts: 7
| BTW you can get a copy of your title to another vehicle from the DMV in your area. Just research it online and they will give you the nearest location. You'll need your driver's license and social and you get it while you wait. | |
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May 28, 2008, 12:06 PM
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#20
| | Vision Expert
Join Date: Oct 2007 Location: Vancouver, Washington
Posts: 3,197
| Quote: | Originally Posted by monroeangel BTW you can get a copy of your title to another vehicle from the DMV in your area. Just research it online and they will give you the nearest location. You'll need your driver's license and social and you get it while you wait. |
That's what I did, they have to mail it. It takes 8 weeks | |
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