Thanks for letting me know all the details on this topic, I’m glad to know where on my priority list reaffirming my car loan sits compared with, as well as how to file for it effectively. Another person who covers this topic pretty well is Joe, I’d love to see you collab with him
I did use the services of a programmer called Michael Gibbs from Credit Patch Up LLC to get rid of bankruptcies, charge off and hard inquiries off my credit report and my score was also boosted to 790+ within few days. You can get to him via [Gibbs@creditPatchup.com] if you're in need of any credit help or advice.
Thank you but you didn't address cross-collateralization clauses. Credit Union car loans almost always have that clause. Maybe another video for you to do.
Great work you are doing attorney! If you can evade repossession long enough will an auto lender like Toyota finance file a Replvin to get the vehicle back or will they just keep trying to repossess it until they get it? your comment is appreciated
I did use the services of a programmer called Michael Gibbs from Credit Patch Up LLC to get rid of bankruptcies, charge off and hard inquiries off my credit report and my score was also boosted to 790+ within few days. You can get to him via [Gibbs@creditPatchup.com] if you're in need of any credit help or advice.
We own both of our vehicles and they are worth more than the California exemption amount. Would it be better for us to trade them in and get a new vehicle that we’ll be paying on monthly, before we file? Therefore keeping the vehicle we now have a loan on?
You can trade them in and get new vehicles, but you would need to make sure that with that trade-in you don’t have too much equity- more equity than what the exemptions allow in your state.
Great video. Thank you. My 27 year old is living in Ohio. Their exemption is $4000 and they have a wild exemption worth $1325 (I think). So my question is she wants to keep her cat but is worried there is some equity they can get. It’s a 2018. Can you start the process and if they want to sell her car can she stop the process?? She has no other valued assets. None. She a college student going to school on grants. She needs her car.
I believe and I could be wrong that they will reduce that amount to what the car is worth. So u will only be responsible for the 7k the rest is discharged could be wrong
Can you please answer my question. Can the gov/courts garnish a paypal account? How does the court garnish from business owners who doesn't get paid wages but earn profits? Have you seen courts go corrupt and violate their own laws to be in favor of the junk debt buyers?
I did use the services of a programmer called Michael Gibbs from Credit Patch Up LLC to get rid of bankruptcies, charge off and hard inquiries off my credit report and my score was also boosted to 790+ within few days. You can get to him via [Gibbs@creditPatchup.com] if you're in need of any credit help or advice.
Hello I have a question if I file for chapter 7 bankruptcy and my car registration is alot due to fees from the city like citations or bridge crossing fees can I have that debt eliminated or dismissed as well?
I filed in Illinois two years ago, the creditor didn't reaffirm or seize the vehicle. It was discharged and they wrote it off as paid in full on my report. And when I called to make payments they wouldn't take my call. I wanted to get my title, so I'm trying to pay them off. What are my options?
I generally tell clients that once the decision to file bankruptcy is made that you should stop paying on the credit cards. Once your bankruptcy case is filed with the courts the credit card companies won't be able to accept payments so you will not need to pay them.
I did use the services of a programmer called Michael Gibbs from Credit Patch Up LLC to get rid of bankruptcies, charge off and hard inquiries off my credit report and my score was also boosted to 790+ within few days. You can get to him via [Gibbs@creditPatchup.com] if you're in need of any credit help or advice.
You are amazing! Smart guy
Thanks for letting me know all the details on this topic, I’m glad to know where on my priority list reaffirming my car loan sits compared with, as well as how to file for it effectively. Another person who covers this topic pretty well is Joe, I’d love to see you collab with him
Glad it was helpful!
I did use the services of a programmer called Michael Gibbs from Credit Patch Up LLC to get rid of bankruptcies, charge off and hard inquiries off my credit report and my score was also boosted to 790+ within few days. You can get to him via [Gibbs@creditPatchup.com] if you're in need of any credit help or advice.
Thank you for taking the time to make this video it helped me.
Thank you John for your great content. I really appreciate :) Have a wonderful day!
Thank you for supporting my channel!
Very good information because my car is discharged but I make payment and I still have it
I appreciate all your videos, They are very helpful.
Hey Thanks alot that helped 👍
Glad it helped!
Yes, that helped very much. Thank you!
Thanks Johnny!
This video is our of date and needs to be updated. New rules and amounts have been in acted.
Thank you but you didn't address cross-collateralization clauses. Credit Union car loans almost always have that clause. Maybe another video for you to do.
Thank You.
This was great, thank you Sir
Now what if it's buy here pay here? Same thing?
Thanks for the info....What do they go by when they consider what the value is?
Great work you are doing attorney! If you can evade repossession long enough will an auto lender like Toyota finance file a Replvin to get the vehicle back or will they just keep trying to repossess it until they get it? your comment is appreciated
I have seen it done both ways. If they aren't able to repossess they will take you to court to get the vehicle back.
I did use the services of a programmer called Michael Gibbs from Credit Patch Up LLC to get rid of bankruptcies, charge off and hard inquiries off my credit report and my score was also boosted to 790+ within few days. You can get to him via [Gibbs@creditPatchup.com] if you're in need of any credit help or advice.
How long does a trustie Hubbard over you during a chapter 7 bankruptcy (How Many Years)?
We own both of our vehicles and they are worth more than the California exemption amount. Would it be better for us to trade them in and get a new vehicle that we’ll be paying on monthly, before we file? Therefore keeping the vehicle we now have a loan on?
You can trade them in and get new vehicles, but you would need to make sure that with that trade-in you don’t have too much equity- more equity than what the exemptions allow in your state.
What if you own the car and its worth more than 6k but you sign the title over to a family member, can they still take it?
That’s fraud
@LBC2HTX1 So gifting a car to a family member is fraud? How so?
Great video. Thank you. My 27 year old is living in Ohio. Their exemption is $4000 and they have a wild exemption worth $1325 (I think). So my question is she wants to keep her cat but is worried there is some equity they can get. It’s a 2018. Can you start the process and if they want to sell her car can she stop the process?? She has no other valued assets. None. She a college student going to school on grants. She needs her car.
Great explanation. Is it exactly 48 months before someone can get an FHA loan after a bankruptcy?
2 years for FHA 4 years for Conventional (to the date)
What if I owe 14000 on a car but it's only worth 7,000
I believe and I could be wrong that they will reduce that amount to what the car is worth. So u will only be responsible for the 7k the rest is discharged could be wrong
What if you recently leased a vehicle? Can they still take it?
In a bankruptcy a lease is called an “executory contract”. As long as you keep making the lease payment you can keep it.
Is the value of a car for the purposes of bankruptcy determined by Kelly Blue Book?
In most situations they will use Kelly Blue Book. Some use NADA, but here in Arizona it is mostly KBB.
What about leasing a vehicle 🚗
What if you don’t own a car but simply lease your vehicle 🚙??
I did bankrupt but told I want to keep the car but thay still want to take my car away what can I do ???
Hey! I would love to set up a consult with you if you live in Arizona! 480-907-3388
Can you please answer my question. Can the gov/courts garnish a paypal account? How does the court garnish from business owners who doesn't get paid wages but earn profits? Have you seen courts go corrupt and violate their own laws to be in favor of the junk debt buyers?
I did use the services of a programmer called Michael Gibbs from Credit Patch Up LLC to get rid of bankruptcies, charge off and hard inquiries off my credit report and my score was also boosted to 790+ within few days. You can get to him via [Gibbs@creditPatchup.com] if you're in need of any credit help or advice.
Hello I have a question if I file for chapter 7 bankruptcy and my car registration is alot due to fees from the city like citations or bridge crossing fees can I have that debt eliminated or dismissed as well?
I would love to help if you would like to set up a consultation and live in Arizona. Here is the number you can call to set that up: 480-907-3388
@@Consumer_Warrior Hello I currently live in California could we still have a free discussion?
What happened if you are upside down on a car.
I filed in Illinois two years ago, the creditor didn't reaffirm or seize the vehicle. It was discharged and they wrote it off as paid in full on my report. And when I called to make payments they wouldn't take my call. I wanted to get my title, so I'm trying to pay them off. What are my options?
I would keep calling them. Once the vehicle is paid they have to give you the title. Get an attorney if they don't respond to your requests.
Do you have to to continue paying towards your credit card debt as the bankruptcy case is being processed?
I generally tell clients that once the decision to file bankruptcy is made that you should stop paying on the credit cards. Once your bankruptcy case is filed with the courts the credit card companies won't be able to accept payments so you will not need to pay them.
I did use the services of a programmer called Michael Gibbs from Credit Patch Up LLC to get rid of bankruptcies, charge off and hard inquiries off my credit report and my score was also boosted to 790+ within few days. You can get to him via [Gibbs@creditPatchup.com] if you're in need of any credit help or advice.
Great question
What if I have a cosigner on my loan?
What if your vehicle 🚗 is a leased vehicle ? Not owned but leased??