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Respond to this video… It’s analogous to the story of species that double in population every minute until, after 1 hour, they consume all their resources. At 59 minutes, on the verge of doom, they still believe they are fine as they still have 1/2 their total resources (financial or material).
Our messed up, debt-dependent, global economy has been the 59 minute mark for several decades and now the clock is ticking over.
WARNING banks and wall street (who run the show) didn’t put themselves in this situation without knowing it; this had to be planned. Currently, banks are offering class action lawsuits to fix these loans- which eliminates the right for people to sue them and merely offers a fixed loan-what should have done initially. Opt out of those. Then fight back and sue your bank. Start reading the Bible- everything is predicted; including this.There are seven trumpets that blow… and this crisis sets up
You have a couple of options. You can let them come and get it, after they reposses they will charge you repo fees, storage fees, legal fees and the auction fees then they will sell your car at a loss and you will owe the difference.
You should call them and try to work something out if you possibly can. If you believe you will be able to find new employment soon.
Still there is another way……… drive it off a cliff and let your full coverage pay it off. —– kind of illegal but im giving you all your options.
This is why you do not sign or co-sign for any loan which you cannot be responsible for. She signed the papers and thus she is responsible. If she cannot pay, and I'm assuming the Aunt is not paying, tell you mom to call the loan company and ask them to come get the car. They can sell it and apply the selling price to the loan. THen, she is still responsible for the deficiency (leftovers), but hopefully it will not be as much.
Falling, spiralling down,
Descending into madness.
Deciding my own fate,
Leaving this world of hate behind.
They acnnot give you a lower payment because you owe a lotmore on your current car than it is worth, they have to take that extra amount and add it to the loan for the new car. Thats the way it works at every car dealer regaurdless of brand.
My advice would be to save yourself from getting into a bad situation and save yourself lots of money buy keeping the car you have now.
@biospharms Very true. Sustainability is a concept that is unnatural to any single species. Nature has sustainability by managing all species as a whole, unified ecosystem. To have sustainability in our own human economic system, we have to actively manage it. Logic and experience quickly show that indefinite growth is impossible in a closed system (such as the Earth) as resources have to eventually be exhausted (re: entropy).
participation split is when car dealers mark up the rate from the financial institution and keep the profit. it is one of the ways for them to earn money by providing financing for the customer. It has no bearing on whether you get a loan or not. Based upon what you are saying you should have no trouble qualifying for a better rate this time. Good luck.
Sometimes credit unions are really good. Also, if you go into the dealership with financing already secured, they have less opportunity to take advantage of you.
The World better wake up and acknowledge Jesus Christ…because of our sins and allegiance to money is the reason why these things are befalling this world. You read the Word of GOD…he foretold these things before anyone else. Click into the Spirit and see the fall of those who trust in riches. This is the only time in my life that I am thankful that I have been poor, because none of this is a shock. It is a shock to those who have lived high on the lie.
First of all, to recommend a large franchise dealer, Toyota has a really great first time buyer program. Do you have a bank? If so, try them first. A quick way to get your score to rise is by doing a secured loan. Save up $500 or $1000 and take it to your bank and say you would like to do a secured loan. What it actually is, is taking out a loan against your current $500 or $1000 in the same amount. Basically they deposit your now $1000 or $2000 into your account and don't let you touch it and it pays itself off, giving you installment debt history on your credit bureau.
Unfortunately, you can't just transfer the loan to your brother. you qualified for the loan based upon your income and credit history. He will need to go through the same process to qualify for financing if he wants the car. It's also a terrible idea to just let him take over the payment unofficially. He would be driving your car with your insurance. If he has a serious accident, the other parties can come after you as owner of the vehicle. Not to mention that if he misses payment, your credit gets trashed, not his.
The best thing to do is just to sell him the car. Let him save up money or have him bring his own financing to the deal.
well its kinda to late already…october 21st is coming…… the powers to be wont escape his wrath!!!!
lets just hope it does not get to the point where we are eating our dead. support your community and help each other out lest we attack one another.
the powers to be…there going to cause a economic collapse…….so they can pull off the new world order……its coming….
Take a look at the YouTube video– Mortgage Tsunami Two: 2011-2013
An animated presentation of the ARM underwater default crisis that is currently brewing.
You would pay $254.96 X 60 = $15,297.60
so interest is $3,297.60
http://www.bankrate.com/calculators/auto/auto-loan-calculator.aspx