Benefits office may help vet with loan Columbia Daily Tribune
Dear Debt Adviser,
I have credit card debt I want to pay off. My credit is not that great. I’m a retiree, and my own bank won’t give me a loan to pay off this debt. Is there a personal loan program through the U.S. Department of Veterans Affairs that I can apply for so I can pay this off? I am having a hard time trying to make ends meet.
— Richard
Dear Richard,
Your self-description tells me a number of important things about you. You have debt. You have bad credit. You have yet to resolve either issue — but you have retired anyway. My initial assessment: I think you have put off getting your financial house in order long enough. Let’s get started.
To answer your VA question first, I am not aware of a VA loan product other than home loans. However, you could contact your regional benefits office. They can be found at va.gov. Speak with someone to find out what is offered. If you are a retired member of the Navy, you could contact the Navy-Marine Corps Relief Society, a private, not-for-profit charitable organization, and speak to a budget counselor. The counselor will review your monthly expenses with you and make recommendations for improving your monthly cash flow. You can find a location near you at nmcrs.org. The NMCRS offers interest-free loans or grants for emergency needs. I’m not sure if your situation would qualify as an emergency need, but you could contact the society and determine what assistance is available to you.
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I need a personal loan but have bankruptcy on record where do I get help?
My bankruptcy's discharged and I have filed for divorce, now that is over and I need help with catching up my bills and need a car. I am a single mom and work plus I attend college for my assoc. in accounting degree. I need a hand up not a hand out. where can I get a personal loan?
Whilst you have a bankruptcy anywhere that checks your credit file when applying for a loan will not accept you. And you will find the ones that don't will charge very high interest (50% APR+!). Approach your bill comapnies and ask for a payment plan. Regarding the car have you thought about other ideas to make money? Such as selling your old stuff at a car boot or mystery shopping in your spare time?
This is a really excellent site for all financial and moneysaving stuff - I'm just another member, I promise, and wouldn't gain anything by you visiting there.
Does anyone know where to go to get a fast personal loan with prior bankruptcy, and not a cash advance?
Brother has prior bankruptcy with his divorce, almost two years out and needs a fast personal loan, not a cash advance! Does anyone know who will work with him, I told him maybe Beneficial, or Prosper, but that could take a while, but not sure with either because of his bad credit. Does anyone know an immediate peer to peer personal loan? Any advice would be great! Thanks!
For every individual, the main priority in life is to fulfill their various dreams and wishes. However, it is not at all possible for all the individuals to execute their needs. The prime reason being that these borrowers financial condition does not support them in their endeavor. For these borrowers the financial market is offering them a chance by providing finances in the form of online personal loans. These loans take care of all the borrowers needs without any delay. These loans are processed online after providing the necessary details by the borrower.
http://best-loans.awardspace.com/personalloans.htm
A considerable amount of time and energy is saved as the borrower can access the loan amount by sitting in his office or home. Moreover the borrower can access the free quotes by comparing the quotes borrower can easily select the best available deal. These loans basically take care of all the personal needs of the borrower. In fact borrower can use the amount for paying college education fees, holiday package, meeting wedding expenses and even consolidating debts.
Is he dumb or stupid?
Does anyone know where I can get a personal loan for $4000 after Bankruptcy ?
I was almost suckered into a loan by Clearview Lending until Yahoo Answers opened my eyes to that but I really need a personal loan for $2000 to $4000 I make good money but due to Medical bills I had to claim Bankruptcy. I have been approved for a car loan and credit cards but that's not what I need. I need a personal loan. Any ideas and no smart a remarks please.
The biggest obstacles you are going to run into are these:
1. The length of time since you declared bankruptcy (be careful with this. If it has been less than a year try to find another way because this can cause you problems).
2. Interest rates where ever you go for at least the first 3 years afterwords are going to be high.
3. The lending market is a little gun shy right now.
Since I don't know exactly where you are, I can suggest a few companies that I have dealt with, but I would suggest checking them out on your own (what works for one may not work for all):
1. Omni Loans
2. Pioneer Lending
3. American General
If you make a decent pay, I would suggest checking out your bank or your local credit union first.
talk to your bank... maybe they would be willing to help.
Be careful... any questions like yours will bring out the vultures...
If you choose to follow any links on your "answers" make sure to run a google search on the company and check out Rippoffreport.com to see whether any complaints have been logged against the company that offers personal loans...
Good Luck.. I know this is not what you wanted to hear but at least be careful with any online banking or loan deal.
http://www.worldbestloans.com/personalloans.htm
The selection of the most appropriate lender is not that easy a task. Though made simpler through information technology, ones mental faculties are the best resort in the selection process. Lenders generally promise many features along with the loan.
If you are member of a credit union, try that. They may be more understanding.
Bankruptcy, Personal Loan?
A friend of mine has about $100k personal loan. He took this loan 6 months ago and paid it regularly every month. For some "mysterious" reasons, recently he claims that he lost entire money gambling. He also stopped working. He wants to declare bankruptcy. He was borne overseas (China). So he want to relocate there after filing bankruptcy. Is the bankruptcy possible to be achieved under his circumstances?!
Yeah, but what about if judge does not know what my friend is going to do after filing bankruptcy?! My friends seems he does not care even if his credit rating goes ruin. It seems he made up his mind not to come back in USA to live anymore. Even if he does not get 100% bankruptcy, no one will force him to make any debt payments since he declares himself jobless and without any income.
If he's not going to be coming back, he might as well just pack up and go. They won't be able to collect the debt overseas.
is there any bank that will give a person who claimed bankruptcy a small personal loan?
I need a small personal loan of 2,000 dollars does anyone know of a bank that will finance me.
the only reason i claimed bankrupcty is for medical bills. I have never taken a loan except for a car which was paid off before the bankruptcy. I have never even had a credit card before.
No bank will lend money to someone who has declared bankruptcy! I don't mean to be mean, but if you have filed bankruptcy in the past, you have publically declared that you have taken on loans and not paid them back! Would YOU lend you money?
The only loan you are likely to be able to get is a "secured loan". To borrow $2000, you would need to sign over the rights of tangible property worth at least $2000 to the lender in case of default.
I strongly suggest you seek credit-councelling, budget-management training and general help in money management. There are FREE services providing all these things. Check with your local library.
Best wishes! Remember, the only "secret" to getting rich is to spend only 80 cents for each and every dollar you earn.
Personal loan to consolidate my debt or declare bankruptcy?
Okay first things first, I have an apartment and I really don't want to lose it nor the stuff that is in my apartment, I am just at a point in life right now that isn't good.
I got cut back on my hours at work and I'm only pulling in about 1300.00 dollars a month now, I was making more than double that. It's horrible and very upsetting.
I have 27,900.00 worth of debt and this is a combination of a car loan, health loans and credit cards.
I went to capital one and was going to fill out an application for a personal loan but they said it was by invitation only. The interest rate on CitiBank is too high. I really would like some advice, I know Bankruptcy is a low trashy way to get out of the debt I created but I was making more than this.
Mind you I am 21 years old and by the time I'm 28 I'd have it off my record. So what do you think I should do and please do not recommend one of them prosper or other sites where people bid on your debt, I am not looking to get into that I just want a personal loan with a low interest rate.
I have wonderful credit 750 and I always make my payments on time, it's just now I'm really starting to dig into my checking account and I'm getting worried with how fast it is diminishing.
Also I have been filling out applications everywhere for a second job but no one seems to be hiring with this economy the way it is!
To Be honest,It will take a little time to find the answer for the question of yours.have a look at the resource here http://www.DebtFreetips.info/debt-free.htm for your reference .
I've seen people who claimed bankruptcy over student loans (when that was still an option). Tell you what. Most of those people say they regret it.
Bankruptcy will affect your life for the worse for a long time.
Bankruptcy is an absolute last resort and should never be considered unless you are on the verge of losing some of the most basic requirements of life like you home or you have absolutely no options other than to not eat (meaning you've sold off everything you own and still can't keep up). After 7 years the bankruptcy will be off your record, but then you need to start over again at that time. It's not as simple as it disappearing completely.
If you can't get a consolidation loan, you need to create a strategy to pay down your debts. Google search "DEBT SNOWBALL". This is the best and most widely used debt management/reduction strategy on the planet. It's promoted by almost any reputable debt company and by "guru's" like Dave Ramsey, Richard Kiyosaki and more.
Here's basically how it works:
Do a budget to free up cashflow. Cut out ALL unnessessary expenses. Find second jobs, whatever you can to free up cashflow and give you extra money to put towards the debt.
Take that extra money and apply it to the smallest debt (which is ussually the highest interest rate...if there are 2 debts close to the same, take the highest rate first).
When the first debt is paid off take the entire amount (extra money, plus whatever the monthly payment was) and add it to the next smallest debts payments.
Continue carrying the monthly payments from the paid off debts to the next debt until all the debts are gone. As each debt gets paid off, you will be accellerating the payments on the next debt becuase the additional payments will get bigger and bigger...like a snowball rolling down a hill (hence the name).
Where can I apply for a personal loan with 1 year old bankruptcy?
I filed Chp 7 bankruptcy last year, also discharged. I have 4 credit cards all have been paid on time. I have a car loan through Capital One ($18k) also never late. Where can I apply and receive a personal loan. No payday loans...tried that, done that! I have tried American General they told me I had to have 2 years of established credit after my bankruptcy, I only have 1 year! Citifinancial and Beneficial Denied. I also tried my local bank, Citibank...no Luck! Any serious suggestions?? I want to apply for at least $5k.
Can anyone provide specific loan companies?? Serious answers only please. I'm looking for answers, not jokes or personal opinions!
FOUND IT....I RECEIVED A $5K CASH LOAN ON THURSDAY, JUNE 22. WIRED DIRECTLY INTO MY ACCOUNT, WITH NO EARLY PREPAYMENT PENALTIES!!!
ANYONE WITH A BANKRUPTCY INTERESTED IN RECEIVING A PERSONAL LOAN. EMAIL ME FOR DETAILS...THIS COMPANY WAS GREAT!!!
you can apply anywhere...getting approved is something entirely different
bad credit link there
they state they give loans to people with bad credit even bankruptcy
see for yourself
Within one year of a bankruptcy, though, you simply will NOT be able to get a personal (unsecured) loan for $5,000 (as you are learining the hard way).
The good news: If you can get a co-signer, then the loan will be backed by their good credit, and your credit record will not be an issue.
Prosper.com
Check it out for real. I heard good things about them.
Bankruptcy...personal loan?
Does anyone know the max personal loan amounts you can file in a BK?
There may be something of use here.
I claimed bankruptcy 10 years ago, can I get a personal loan?
I haven't gotten a credit card either. When I go for the personal loan, do I still need to say Yes, I claimed bankruptcy? Even though it has been 10 years?
Don't you wish Yahoo would find some way to kill all these spam answers? They are all over you today! lol
How about some useful info?
For starters.....when recovering from a bankruptcy you need to start immediately in rebuilding your credit. If you haven't done anything in 10 years, your credit is still gonna look terrible!
Go over to this site. Http://www.lifeafterbankrutpcy.com
This isn't spam...but this site does have stuff they are selling. but they also have a ton of free information, and newsletters. Their last 3-4 newsletters gave step-by-step info on rebuilding your credit after a bankruptcy.
Other past issues give info on how to properly go about seeking a loan.
No, you do not have to tell them you have a past bankruptcy. If you do, that will most likely kill your loan. Many loan officers are very narrow minded, and if they see a BK they will rubber stamp your application immediately. If they care about it, let them do the research to find out. Most will not look past your credit report, and the BK drops off that after 10 years.
At this point, if you have not established other credit, you need to be more concerned about not having a credit rating. The above site will give you a few ideas on quickly getting started.
You will most likely have to talk to the loan officer and explain your financial situation. Again, don't mention the BK, but point out that you have a good work history and your finances are good enough to support a loan.
Can I apply for a personal loan if I filed bankruptcy 4 years ago?
What financial instituition should I apply for a personal loan with fair credit?
Yes, you can try. I find that the commercial, private banks are very selective when issuing loans so stick with online lending company.Try lendingtree.com.
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