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State Michigan
Legal status
Allowed (Our partner lenders provide payments in Michigan)
Loan amount limit $600
Loan terms Max: 31 days
Finance rates 15% of first $100, 14% of second $100, 13% of third $100, 12% of fourth $100, 11% of fifth $100, 11% of sixth $100 + any database verification fee
Finance charges $15
Maximum APR (Annual percentage rate) 390%

9056 Telegraph Road, Taylor, MI 48180

Michigan

Taylor

11817 E 8 Mile Road, Warren, MI 48089

Michigan

Warren

885 E Apple Avenue, Muskegon, MI 49442

Michigan

Muskegon

913 S Saginaw Road, Midland, MI 48640

Michigan

Midland

5308 Highland Road, Waterford, MI 48327

Michigan

Waterford

6233 Division Avenue South, Grand Rapids, MI 49548

Michigan

Grand Rapids

2390 South Wayne Road, Westland, MI 48186

Michigan

Westland

5760 S Merriman Road, Wayne, MI 48184

Michigan

Wayne

457 Elizabeth Lake Road, Waterford, MI 48328

Michigan

Waterford

1422 S Main Street No. B, Adrian, MI 49221

Michigan

Adrian


Frequently asked questions about bad credit loan in michigan

  • Any bank that offers student loans....
  • The best bank is the federal government. If you qualify for it, you can get a loan so that you can live off-campus. Go talk to your financial aid office at Michigan university.
  • You cannot buy a house on ebay or craigslist. There are a lot of steps that go into buying a house, including home inspection and property valuation. Plus, most people take out loans for even comparably cheap homes. On ebay, most purchases come automatically off your credit card or straight out of your bank account. That's why ebay has set up a different process for "purchasing" homes that is different from purchasing other objects. Read the website's fine print. My guess is that you are not bidding on the house itself, but on the right to be first to submit an official bid or something like that. There's no way to pay through craigslist. Once you see something you like, you call and make an appointment to tour the house and go through all the normal steps of buying a house just like normal.
  • From amazon http://www.amazon.com/?_encoding=UTF8&tag=148268-20&linkCode=ur2&camp=1789&creative=390957
  • I just drove by a house for sale by owner in Livonia, Michigan. I was wondering what's the best way to get their listing? Shall I call and make an appointment to look at the house, then after viewing everything, present myself as a realtor and ask if they would be interested in listing it with me? Houses very seldom sell by owner in my area, and almost everyone eventually lists with an agent after they don't get any action.
  • My ex-husband and I tried to do a FSBO once and the lying jerk who made the offer was from out of state and had bankruptcies and bad credit up the wazoo. He wasted our time and gave us false hope that he would buy our house full price, only to find out that he would never qualify for a loan in a million years. You could point out that kind of situation to the owner and also bring along comps to show what houses listed by realtor vs seller go for in your area. I personally think you should wait until they have an open house before approaching them rather than ask to see it first as a potential buyer. And just "happen to have" the comp info in your briefcase. OOps! I forgot to say that as a licensed agent, you can pre-screen any interested buyers so they don't have a bunch of con-artists and lookie-lous going through their home.
  • I would contact the owner and offer my services if they need any help. Be friendly but not pushy. If you have a potential buyer you could call and see if they will pay the selling agent's fee if you bring them a buyer.
  • No your rebate check cannot be taken for credit card debt....It can however be taken for any Federal IRS debt, State Debt, FMS, such as Back Child Support or Bad Student Loans. If you have any questions the IRS will be happy to tell you if your check was held. Call 1-800-829-1040
  • Credit cards can't garnish your refund at ANY. If anything actually makes it to your bank account, the credit card issuer CAN garnish that.
  • if you're a minimum of $500.00 in the back of, they'll intercept any examine coming from the authorities. You state & federal tax go back, and your tax rebate. they in straight forward words way you receives any of it decrease back is in the adventure that your decrease back help is lower than your returns. even as the IRS intercepts money for decrease back help they'll carry it for a minimum of three months, incase there is an injured significant different declare. Then they'll deliver it onto the toddler help organization. Now case in point, in case you owe $six hundred.00 in decrease back help and your go back is $a million,000.00, then the IRS will in straight forward words take the $six hundred to deliver to the toddler help place of work and then deliver you decrease back some thing, and in the adventure that your decrease back help is all paid up by making use of the time you get the tax rebate, then they gained't take it.
  • No they can't. But if you put it in your bank account and they garnish your bank account, they can take the money from there.
  • I live in Michigan and have several default judgments against me for bad credit card debt. I live in my own home but it is no longer worth what I owe on the mortgage, my mortgage payments are current along with my vehicle loan. I'm a retired Federal Employee. Now what happens? I have several collection agency's calling me and leaving me messages to call them back. Can I still file for bankruptcy with judgments against me? There is no way I will ever be able to pay back what they say I owe.
  • You will have to pass the means test and have consumer credit counseling before you can file BK. http://www.nolo.com/article.cfm/ObjectID...Yes, a judgment is allowed to be discharged in a Chapter 7 bankruptcy, below are links to better educate yourself on BK. http://www.bankruptcyinformation.com/per...http://www.bankruptcyinformation.com/faq...
  • I would say you need to clean out of your bank account because they can find your bank account. They will freeze your bank account to take ALL of your money out. That is only way they can do this to you. Checking with your state to see if they have limited on Judgment like 10 years with no renew. If it is renew judgment then it would be a good idea for you to file bankruptcy but it is up to you.
  • I think it is in your best interest to get a free consultation from a BK attorney at this point.
  • Well since you haven't told us any numbers, it's hard for anyone to say whether or not you can pay it back.
  • I'm super confused and I need your help... I'm originally from North Carolina. I live in michigan for 50% of the year and I travel back and forth. I have a job in North Carolina and in michigan. There is a vehicle in michigan that I'm looking to purchase, and it WILL BE FINANCED. I currently have a North Carolina drivers license, nc insurance, and nc tags. How do I get this car financed in michigan?
  • Financed isn't your problem, if you have the credit any one will give you a loan. At worst you need to be licensed. Call the dmv.
  • Well I seem to have a problem, and it is a bit complicated. I will ask it in three parts. Part 1: A couple years back my Mother had this great idea to order herself a computer. The only problem was she has such poor credit no one would sell her one, so she used her power of attorney, and me, to get one from Dell. The hang up here is at the time her husband was in prison, this is where I come in, being a 13 year old "Okay if you say so mommy" type of kid (not because I was a suck up, because if i didn't I would have to go though hell) I did what she said. Like and idiot I called Dell, and told them I was lets say Steve, and ordered the computer for her. Well she made the first couple of payments and stopped. Now her husband is out of prison and pissed because his credit is screwed. My question for this is can I be held responsible? I do not know the statute of limitations on this so I am curious as to know weather or not this can all be blamed on me so I end up the bad guy and they are the victims, because I now need to sue my Mother for a sum of cash that I loaned her to move. Part 2: Considering I am not 18, but I do have a contract that stipulates how and when the loan is to be re-paid, am I legally clear to sue the borrower? I am sure more questions will arise. Thanks for helping (or not).
  • forget the computer -- you were a minor and legally could not entry into a contract -- yes fraud might come in to play but after 5 years it has been written off -- next you have about as much chance of getting your money back as a ice cube surviving hell!! i would take her to small claims court -- cheapest way -- you could and should win the court case!!! at least you will have a legal piece of paper saying she owes you the money!!! good luck in the future!!!
  • Household income is about $50,000 a year (just my husband and I, I'm in my mid-twenties, he in his late. I work in health care, he works for a local business). We live in Michigan and own our own home, financed through Wells Fargo. We owe about $95,000 on it with a supposed interest rate adjust in 2014 from 8.5% to 9.5% and then it would keep going up every six months. I'll for sure re-finance before 2014, but if I don't have to (like the government making all ARM mortgages into fixed or something) I won't. I've owned my house for 6 years already and have poured about $25,000 into it, unfortunately there are 7 foreclosures on my street, so my value is decreasing. Will this $700 billion government deal effect me in anyway? More than making my mortgage fixed (without the hassles of refinancing) I'd rather see my student loans go down in monthly payment or just go away completely :-)
  • No, it will not help you at all. It will not help any one. Hmm, of course it does help someone, it helps the CEO's and investors to make huge profits. The Government should not interfere and let all these banks and institutions go bankrupt. Then the market will get back to normal and any person can buy a house at affordable prices. Since that's not going to happen, nothing will change. Although, there are a few changes. Rich get richer, poor get poorer. If the Government gives any money (as a loan). This is tax payers money, they should have stipulations, i.e. the Government takes control and ALSO receives the profits, just as investors would get. Not just a loan with interest!! It now becomes an INVESTMENT by the Government and if and when there is a profit (which you can count on), these profits are paid back to the tax payers in the form of tax credits, or whatever. If the Government only buys up the bad debt, there will be no change and all will be same within 1 year. The financial institutions prefer such, and they will be laughing all the way. Take AIG.. suddenly the investors consider to put up their own money to invest in AIG, because they do not want the Government to take control over AIG. Hmm, why not? Yes, GREED! There is an "easy" solution. Create a package whereby the Government buys all bad debt (mortgages) and restructure the mortgage, whereby people can pay less, even if it is directly to the Government. That way, no closings, value remain market and there is a real solution. Let the invetsment banks go bankrupt, it does not matter at all, since only investors lose money. Who cares about the rich. Keep in mind, Freddy Mac and Fannie May are entities guaranteeing the mortgages up to a certain amount for low income houses, not the rich!! These mortgages again are guaranteed by the Government, thus nothing new. People buying a house with no money down, because the institutions provided them with the capital took a risk and have to be responsible for their risk. If they lsoe money, let it be. Not the tax payers responsibility to pay for their greed and mistakes.
  • The answer above me is great. Basically they are wasting are money to make rich people richer and artificially keep the price of real estate up so poor people cannot buy a house. They should let free market forces take effect and let the banks die-new entrepreneurs will get a chance at creating new banks and loan companies that are smarter than the previous. http://www.uinvest2.com
  • I am a 28 year old woman from Michigan. My name in Alexandria Maguire. I married a man from Taiwan in September 13,1999 in Halfmoon, NY. His name is Tzu-Chien Yang. Our children's name's are Sandra-Noreen May Yang (7) Patrick Jr. Zu-Yuan Yang (6) Joshua Zu-Yun Yang (5) Liam Zu-Ming Yang (3) And my baby in Taiwan is Siobhan Su-Yue Maguire (7Months old).I live in Zhong Shan<China with my older 4 kids. My baby is still in Taiwan. And in 2001 my husband was deported back to Taiwan for criminal fraud charges. We left America in 2005 to live in Taiwan. Now my husband has become very abusive. he has been beating me and has tried to kill me with a knife several times. He has sexually abused our 7 year old daughter and kept me locked up in the house with a double end deadbolt lock.I was recently allowed out of the house and I got a job as an English teacher. But my husband takes all my pay. I need to go to the doctor and now that it is winter my husband wont give me a coat or medicine. He has refused to give me any food to eat. We have 5 children and he keeps the baby with him at alltimes to control me so I cant leave China.I just want all 5 of my kids and me to return to America and get away from this. He will kill me and I would much prefer to die in my home country. I found he lives with several other women in both Taiwan and in Zhu-Hai,China. He has stolen Credit Cards with other peoples names and wrote fake checks and forged other peoples signatures on them in order to cash them for the money and has also been in a nigerian scheme. I was forced to lie for him because he threatened to take my kids away from me.I used a webcan to photograph the cuts and bruises he inflicted on me. He also will take to public places and humiliate me by beating me and insulting me and choking me untill I have bruises all over my body.I just gave birth to my last baby in June,2007 and I have no passport for her because I need to proove I lived in America for at least 5 years and I have lived in America all my life. I am a US born American citizen. If he tries to touch my daughter again I have no help. The police in China just laughed. He was holding the knife and it still had my blood on it and blood was running down my arm. They saw it and did not care to help me. When he took my passport I went to the police and they would not help me. They told me to just ask for it to be returned. they did not care about and of his abuse. And his mother starved me for 3 months after I had the baby, I was unable to breastfeed her because of it, and then her husband tried to kill me one night when he was drunk. My husband also keeps the kids passports and wont let me have them so we cant leave.I have emailed the US conulate many times, but I have not recieved any response. It seems I am on my own and there is no one in this world who cares. And there is no way out of this nightmare. I need help getting a passport for my baby and I need help getting my kids and myself back to America. Can you please help me before it is too late. I dont want to die here.I have no hope left and I can no longer smile. My hair has fallen out in several places due to the stress. And I have no medications for my Diabetes or my high blood presure. And now I found a lump in my left breast but I will never know if it is cancer with out a doctors check. Nobody know where I am but my family and they cant help me as they are too poor. If you cant help me then please take my kids and send them to my parents in Michigan, Please.
  • I have gone to the US Embassy. But if my husband finds out he will cancel our passports so we can't leave. I have already started to file paperwork for a return loan, but I have to repay it within 60 days or they will add interest rates to the loan. I know on my own I cant care for any of my kids without help. I don't want to go on welfare because people look down on you as a lazy person and I dont want to loose my kids as I love them very much. But the abuse has to stop before my kids think this is normal to treat people this way. I want to divorce him but being international the legal aid society told me they cant help with this. and the only lawyer in NY city who does Taiwan and American divorces will cost me about $30,000 USD.
  • Your story sound very sad. I cant even read the whole letter you have here. Some part of my mind says that this is scam and you are just trying to make some money of it. Please forgive me for being this harsh. And bad things like these do happen to alot of women. And if it true, you need to take some action to get out of it. The very first action is to contact the US emabassy. SInce you and few of your kids were born in US you have all the rights to enter and stay on the embassy premises. They can not throw you out of there. Secondly write a letter or email your city councils, mayor, congressmen and senator of MIchigan and the city you belong to. Tell you parents, family and friends back in US to petition and talk to media. And if your story is true, I promise you, that you and your kids would be rescued and out of that hell hole in no time. And you dont even have to spend any money.
  • Seek help from the US Embassy in Taiwan so that you and your children will be freed from your abusive husband.
  • Go to the US Embassy and explain to them your situation, they should be able to help you and your children to come back to the US. Good luck I'll be praying for you.
  • Will try to see what I could do
  • Although the U.S. abolished debtors' prisons in the 1830s, more than a third of U.S. states allow the police to haul people in who don't pay all manner of debts, from bills for health care services to credit card and auto loans. In parts of Illinois, debt collectors commonly use publicly funded courts, sheriff's deputies, and country jails to pressure people who owe even small amounts to pay up, according to the AP. http://finance.yahoo.com/news/jailed-for...We are back in the dark ages. States that do these things have had their legislators compromised by lobbyists who wine and dine them to pass or to keep such laws in operation. The people are not in power its those with money who get whatever they want placed into laws and bills all over this country and in Washington also. How many of you or your descendents have student loan debts? How many have debts trying to survive? Peonage is alive and well my friends. Slavery by Another Name. Debtor's prison is a giant step towards the coming New Feudalism. As wealth becomes increasingly concentrated debtors prisons will become increasingly common. Voting will become increasingly restricted and minimum wage laws will be abandoned The majority of the population will work for nothing or face imprisonment much as they do today in offshore havens for the wealthy. Once wealth is concentrated sufficiently into a tiny fraction of the population, the markets that support capitalism fail and central governments are replaced with local manors where the population toils for what trickles down from the Lord's tables. Police are replaced with private,security and militia in service of the Lords. the new Knights that they pay to rule their realm.
  • And still people do not believe that there is a march to plutocracy going on in our country. Democracy has been suspended and parts of Michigan. This is only going to get worse. We're going to live like Charles Dickens. The oligarchy is in place already and it is waving a flag of peace and prosperity to attract the uninformed. Get the money out of politics or else. And they will use very convincing reasons, true as they may be as to why they need to take over. And we will let them. Here is an example of one of those reasons they will claim they can fix if given the power. A new report by the Royal Society, chaired by Nobel prize-winning biologist Sir John Sulston warns that world population must be stabilized and consumption in wealthy nations must be reduced or the entire planet is in big trouble. As the report reads: "The number of people living on the planet has never been higher, their levels of consumption are unprecedented and vast changes are taking place in the environment. We can choose to rebalance the use of resources to a more egalitarian pattern of consumption... or we can choose to do nothing and to drift into a downward spiral of economic and environmental ills leading to a more unequal and inhospitable future."
  • If I can give anyone one word of advice: don't do ANYTHING that involves money even by mail and especially by phone without adequate paperwork. Now days merchants are deliberately lying to you on the phone and later sending you to collection agencies to pay for terms you specifically did not agree with. And the system is geared to take their word over yours-they will ruin your credit record and you won't have any recourse in court. Do not take their verbal word for anything-not even for a ten dollar promise. They are doing this stuff on purpose now days. Get it in writing-especially alleged free trials.
  • Yeah, read that a few days ago. Still think it's another step towards making this country a police state.
  • Wow, the sky is still falling.
  • I never thought about it. I pay all my bills in full every month
  • I don't live in that state so I don't care.
  • Here is my question: I don't know if the rules vary by state, but i live in Michigan. Right now i am attending a community college and am in my 3rd year. So far i have been fortunate enough to have all expenses covered by Federal Pell Grants. My GPA is 3.4, and i am in good standing in terms of financial aid. This semester I have fallen behind and been unable to attend some of my classes, and as a result I am under the credit hour minimum. I know this isn't a very big deal, they will just put you on probation starting the next semester and monitor your progress, and if you pass the minimum credit hours with at least a 2.0 your back to good standing. I have been on probation twice before, and I am afraid - that in order for my GPA to be unaffected by this unusually bad semester - I will have to drop all of my classes. I feel like it would be better to with drawl from the classes and keep my 3.4 GPA, than attempt to finish them and probably fail each class (Im enrolled in 3) and have my GPA fall drastically. Does anyone know if they could take away my financial aid for dropping my classes if i am currently in good standing (for financial aid). I have been on probation 2 other times. Any answers would be greatly appreciated. sorry about the long question, worrying about this problem has been VERY stressful. I have worked really hard and come so far, it would be terrible if my work was for nothing because i couldn't afford to continue my education without financial aid. Thanks again for any answers
  • Dropping classes to protect your GPA will eventually backfire on you. You need to read the SAP Satisfactory Academic Progress rules more closely. Not only do you have to maintain a min GPA but you have a max number of hours you can "attempt" before your aid gets cut off and even classes you drop will count towards your attempted hours. If you keep dropping classes the school WILL cut you off from getting all kinds of aid... this includes grants and loans. And remember, that dropping ALL your classes is a VERY different story than dropping one. Depending on when you drop them, your aid will likely be sent back and you will not only owe the school for your unpaid tuition, you will owe who gave you the aid to being with (the Dept of Ed for your Pell). Financial aid has to be "earned" and you earn it by attending class. If you drop, you can't earn it and you don't get it. When aid gets returned, you end up with an outstanding balance at your school because of unpaid tuition. When this happens, you have to pay your school (out of your pocket) before they will let you enroll for the next semester. Here is an example of SAP at a school. Yours will be very similar. http://www.pima.edu/financialaid/pdf/080...
  • I am from Canada in grade 11. I am wanting to go to school in the states. I believe my marks will be good enough to get in. 85% in History, 88% in English, 90% in Tech, 81% in Anthropology, 90% in Law and unfortunatelymy math mark is about a 55% right now. It isn't that I am not good at math last 2 years I averaged about 84% I just do not understand functions :( Anyways I am expecting between an 80-85% average for grade 12 and will take the SAT and ACT. I would go to any university in any state but I'd prefer one in the states of Michigan, Ohio, Wisconsin, New York, Vermont, Pennsylvania and New Hamsphire because they are closer to the border. I want to major in one of History or Broadcasting. My budget is about $15 000 to $20 000 a year for expenses I will go up to $25 if need be. Also if you could give me information on financial aid in the states for International students that'd be very much appreciated.
  • You should assess why you want to attend a US school, is Canada really that bad? I'm Canadian and in terms of education we actually have it quite good, undergrad tuition is usually no more than 7,000/yr, before government aid and funding. In the US, tuition with residence can easily surpass 50,000/year. However, that is often discounted, if your family income is under 80,000 sometimes it's free. State universities are affordable and often only charge instate and out of state fees, so you won't wind up paying international fees. However, a lot of universities in Canada are better than US State ones, University of Michigan in Ann Arbor is a good school. For top-tier US schools, you marks are nothing special. If you are bad at math and want to build your average, STOP TAKING IT. At a state school financial aid will not be too helpful for an Intl student. Top-tier universities and liberal arts colleges may have good aid programs for you. There are also over 100 colleges/universities in the US that do not require SATs or ACTs. But honestly, in Canada we have it quite good. For instance, I have taken 9, grade 12 academic courses, and my average for universities is my English credit mark + my TOP 5 other credits. Make sure you have a good reason for going all the way to the US and cutting yourself off from government aid from Canada. In the US you will only get a portion of your federal loans from Canada. And in the US they will look at your transcript of ALL the high school courses you have ever taken. So you better do very well in gr 12.
  • Right....but don't tell the dems ,,,they prefer to be ignorant of fact. Tracing Obama's Overseas Investments Electric Cars Obama handed over billions of dollars in loan guarantees and stimulus awards pursuant to his goal of putting one-million electric vehicles on the road by 2015. Much of that money ended up leaving our shores. A $2.4 billion stimulus program to support battery production sent nearly half of its money to foreign firms, including two South Korean companies that used their awards to hire foreign nationals in Michigan to do work that Americans easily could have done. In the end, despite all the money Obama handed out, electric vehicle sales have lagged and The Washington Post deemed his goal of one million electric cars "overly optimistic." Wind Farms Obama's stimulus included over $8.5 billion in grants for wind farms that flowed overseas, despite Congressional criticism from both sides of the aisle. In total, over half of the money went to either foreign developers or foreign wind turbine manufacturers, creating thousands of jobs overseas with money that was supposed to create jobs within the United States. Even worse, hundreds of millions of dollars went to wind farms that began construction before the stimulus was passed. The end result of all this spending: the wind energy industry lost 10,000 jobs last year. Manufacturing TaxCredits As Obama was doling out over $2.3 billion in clean energy manufacturing tax credits that were supposed to create jobs in America, $880 million went to foreign firms. Worse still, some of those same recipients are now closing up shop and shipping jobs overseas. Loan Guarantees Remember Solyndra? The problems with Obama's loan guarantee program don't end there. The largest recipient of Obama's program to jumpstart green energy projects was the Spanish Company Abengoa, which took in $2.7 billion in loan guarantees for three of its projects. Other projects importing foreign-made solar panels are, much in the same way as Fisker Automotive, choosing to make their products overseas.
  • THat was YOUR tax dollars being kicked back to the union bosses. It wasn't a bailout of GM.
  • I`m sure 0bama wants you to look"forward" so you don`t see that.
  • Ok, I did what I know I should not have ever done. But I was not told when I opened my account that it was a "bad, bad” thing to take out a loan. I did everything right. I contributed the max to my account. I even opened a 457 my company offers. At my age bracket by 30yrs old I had built over 50 grand, when my peers with the same amount of seniority had save just a little over $5 to $12 grand on average. What did I do, I max my credit cards out like it was free money to the point I had to end my contributions, cease my mutual funds with sharbuilder.com and I was overdraft to the extent that I did not even have any money left when I got paid!!!!! I am not a home owner and I only have a lease car to my name. My credit score is shot and I live in the state of Michigan where the economy is a mess and I do not have the financial stability to relocate out of state. I borrowed $37grand to dig my self out with the promise to never do it again What’s next, I am 35 yrs old, w/ $74,000 left.
  • Just start over but this time keep a little more money for yourself. Maybe if you treat yourself a little more often then you will avoid spending a lot of money. You got to enjoy yourself along the way. You earn it.
  • MY neighbour had dental work done that needed to be done nothing cosmetic. She got a loan then the recession hit and she was unable to keep up and stopped paying as she was in bad state financially no job even no unemployment Insurance as it ran out .The debt is $8000.00 yes of course its on her credit report .Can she come to an agreement on it the loans already being sold off to a collection agency . Not with the original credit granter . Genuine replies only.
  • She can probably come to an agreement with them. Debt collectors can strip her of everything including the shirt off her back. In Michigan they can even clean out your bank account without your consent.
  • If she has no income, there's no sense to set up a payment plan or settle for less. If it's not past the SOL, the can sue her in court and place a judgment against her for 10 years and also charge her add'l interest and attorney fees. Perhaps she can help from a family member.
  • Collect debt.
  • If she never thought to negotiate with original creditor, unlikely
  • Debt collectors can collect on ones debts. You're welcome.
  • I bought a car when i was 16 and in order for me to get it my grandma put the car in her name. well now that i'm older and still making payments, i want to put it in my name so i can establish some credit since i have none. I live in michigan and i was wondering how i could go about this and what stuff i'd need to do it. I know you would need to go to secretary of state but how do i get it done? also does she need to come with me?
  • to transfer the registration of the vehicle, you would need to contact your local title bureau. your granny would have to sign the title, and a notary will stamp it so that you can transfer the registration and plates over to your name. now, if you are trying to get the financing info transferred over, that would be harder. you would have to contact the finance company and ask what their procedures would be to transfer the ownership of the loan over to you. sometimes, it may require that you refinance the vehicle. if that's the case, and you are close to paying the vehicle off...don't do it. it would just extend the life of the loan for a vehicle that may not be worth the money (no offense, but it's bad to refinance a vehicle because they depreciate in value). Hope this helps.
  • you don't need the secretary of state, you just need the title to the car and your granny. go to an instant tag place-assuming you have them in your state-and have them transfer the title into your name. leastways that's how we do it here in pennsyltucky
  • if there is still a loan on it, then you have to go to there the loan is and take over payments and have it all put in your name, if there is no lein on it, then you just need your grandma to sign over the tital
  • IF YOUR GRANDMOTHER PUT THE CAR IN TO HER NAME YOU NEED TO PAY THE CAR OFF FIRST BEFORE IT WILL BE TRANSFERED INTO YOURS THAT SHOWS THAT YOUR WORD IS GOOD THEN AFTER THAT YOU BOTH GO DOWN TO THE DMV SHE WILL TRANSFER THE TITLE TO YOU THAT IS IT I DID THAT FOR MY SON HANG IN THERE IT WILL BE IN YOU NAME SOON ENOUGH
  • We applied a few weeks ago for a refinance through President Obama's new HARP plan. We were initially preapproved, but since then we were denied. We are current and always have been on payments. Our home has lost a lot of its value with the economy (we are in Michigan where it is really bad), but I thought this plan was supposed to help people with that problem. We currently have been in our home for 2 years. It appraises within $10,000 of what we owe, which I actually don't think is so bad, but I called one company and they said it didn't appraise out for a conventional remortgage. Our credit is excellent (nearly 800 credit score). We currently have a split mortgage to avoid PMI. The first loan is a 30 year fixed at 6.5% and the second (only about 10% of the total loan amount is this) is 9%. Does anyone have any suggestions as to what routes we could go to refinance or has anyone out there in a similar situation did loan modification? I am calling about that tomorrow, but was told when I first applied for the HARP plan that we didn't qualify for that. I would really appreciate any help out there. Thanks!
  • You are not backwards enough or past due enough to qualify for HARP.. Try with different banks to do a conventional re-fi....
  • Im am currently living and working down state Michigan, while my Fiancee' and my step daughter are currently living in the home that I am renting upstate Michigan, I moved back down state after 3 years for a better job, to find a home that we can start on new family life together in, things started out ok. but now, are starting to fall apart, Im having difficulties in paying for everything up there and now am in jepordy of loosing my home up there and no prospects of finding a affordable rental home down here. I am concerned that I will lose everything that I have worked so hard for. I have deffinitly had a bad run of luck in the past, my credit has been destroyed and Im trying to make my families life better, I am very lost and dont know where to turn. I am having trouble paying all my bills, I am behind on my rent, I dont like to ask for help but I dont know what else to do or where to turn, can anyone help in anyways, I dont want to lose my family or my selfrespect. thank you!
  • if you have alot of 401k mAybe borrow it.from.yourself.or find a loan company thats.willingly to give you.a.huge loan.to pay everything off.and.soo.you just have to.make payments.on.that and utilities.ect
  • Why are you paying for everything up there? If fiance and his daughter are living there - what is he paying for?
  • People looking for Jobs vs Jobs Available, shows horrifying statistics. There are not that many jobs left for people to apply. Which makes job market extremely scarce. And for every 1 job, there are at least 7 to 8 applicants. And you have to be super-human to get an ordinary job only --- i.e. 3.8 GPA with straight A's in all university courses. And even then you are declined job. What happens to others like me, who have no more education then a bachelor degree in mathematics? This drives people to go into loan defaults and unpaid bills which lead to more economic crisis. Consumer bankruptcies go higher and higher (already more than 1 million chapter 7 bankruptcies filed this year). The credit report is looked at more, than the person's skill or qualifications. Credit reports are given importance of God, which makes matters only worse. A lot of problems of the job market are also linked to the heavy emphasis given to credit reports, which have no connection to the applicant's work ability or skill. Yet people say unemployment is only 10% so thats low. But if you lose your job or are looking for work, you will realize how extremely tough it is to find work.
  • Americans simply cannot compete with the other nations. Our kids join gangs or play video games and ride skate boards. Those kids across the pond know everything about us,Yet some here can't even get state capitols right.
  • I feel for your flight,like I do so many young Americans today that want to work,have the education and can not find jobs.Let us rewind to 25 years ago,when the out-sourcing of jobs began.It was slow at first,no one really noticed until about 2000,when all of a sudden the steel mills,appliance,tv,electronics,clothing,... parts,and most every product that was once manufacturer in this country is now gone and is being made in Canada,Mexico or China.So went the jobs and this is where we are today.Congress needs to appeal the treaties with these countries and bring back the companies and jobs.Only the young and jobless can demand this.Are there enough of you out there that really care?
  • production junk in China could be low-priced from the point of view of a transnational enterprise, incredibly while those companies use a decrease-out so they by no skill rapidly get their palms grimy using toddler/slave or underpaid hard paintings. If some chinese language production unit seems a lot of toxins alongside with this is lead painted products, the corporate honchos can plead ingnorance. What a stable deal for them! If a mass advertising enterprise like WalMart buys products from China, made by using toddler/slave or underpaid hard paintings the least they might do is actual bypass on their 'reductions' to the generic public.....yet oddly, they do no longer try this. the fee of a chinese language made T-shirt at WallyWorld is purely pennies decrease than the fee of the comparable shirt made in the united states of a by using union hard paintings. The earnings margin is plenty bigger to WalMart, yet there is incredibly no longer that plenty reductions to the buyer. If lots of the stuff made in China develop into made in the U. S. the popular could be bigger, synthetic with much less toxins and thanks to the magic of technologies the fee could be comprable to that of China. additionally on the plus part there could be greater reasonable paying jobs meaning greater people paying taxes and paying for products precise right here in River city. permit's placed the Ameircan salary-earner first and the trans-national companies 2d and allow China purchase up its very own junk!
  • You seemed to have answered your own question, for me anyway.Its nice to see a Republican admit he is not looking for a job, back at ya!
  • Obama has provided federal government support to energy companies that do business overseas. Obama handed over billions of dollars in loan guarantees and stimulus awards pursuant to his goal of putting one-million electric vehicles on the road by 2015. Much of that money ended up leaving our shores. A $2.4 billion stimulus program to support battery production sent nearly half of its money to foreign firms, including two South Korean companies that used their awards to hire foreign nationals in Michigan to do work that Americans easily could have done. In the end, despite all the money Obama handed out, electric vehicle sales have lagged and The Washington Post deemed his goal of one million electric cars "overly optimistic." As Obama was doling out over $2.3 billion in clean energy manufacturing tax credits that were supposed to create jobs in America, $880 million went to foreign firms. Worse still, some of those same recipients are now closing up shop and shipping jobs overseas. Obama's stimulus included over $8.5 billion in grants for wind farms that flowed overseas, despite Congressional criticism from both sides of the aisle. In total, over half of the money went to either foreign developers or foreign wind turbine manufacturers, creating thousands of jobs overseas with money that was supposed to create jobs within the United States. Even worse, hundreds of millions of dollars went to wind farms that began construction before the stimulus was passed. The end result of all this spending: the wind energy industry lost 10,000 jobs last year. Remember Solyndra? The problems with Obama's loan guarantee program don't end there. The largest recipient of Obama's program to jumpstart green energy projects was the Spanish Company Abengoa, which took in $2.7 billion in loan guarantees for three of its projects. Other projects importing foreign-made solar panels are, much in the same way as Fisker Automotive, choosing to make their products overseas.
  • because any aspect he does is okay because of the shade of his epidermis< (in accordance to the liberal media). An excuse can continuously be chanced on for his moves yet they ought to crucify all of us who fairly cares about united statesa.. Liberals are hell bent to coach this u . s . into the fingers of the NWO. we are able to ignore our liberty, our individualsim and each thing that made this u . s . tremendous. owing to Obama and his cronies we are able to not have sovereignty. we are on a downward spiral to eu type socialism. Our kids children will by no ability understand the style of freedom as he ships our u . s . off to different international locations to prosper. we are able to purchase Brazils oil rather of using our own to drill and refine. The Netherlands for idiotic electric powered vehicles that were a failure interior the early 1900's. and so on., and so on., and so on... Romney 2012! Moody
  • He has outscores to China, Finland, Brazil, Mexico, Korea and others. He has created 0 jobs in America, he has funded jobs already created but Obama's policies has created 0 jobs in the private sector and his polices has cost the US workers almost an average 400,999 jobs lost a MONTH.
  • Obama himself none. Greedy corporations - thousands. I recommend that you read about pipelines so that you can see how bad these things can be to our environment and the mess that it can cause if there is a spill. Remember BP? How about the oil spill in Michigan a couple of years ago that was caused by a Canadian company. You have to weigh in all the factors before making a haste decision. In this case, the cons outweigh the pros.
  • Whatever the number they were far less than the other guy in this race and he did it for his own collection of wealth he really did not need and in the meantime threw thousands out of work and in the end their homes He and his family ride around in their speed boats oblivious to the harm they have caused
  • Germany doesn't make better cars than the US does. Their cars may have a better suspension and ride better, but they have more problems per vehicle than US cars. Volkswagen is one of the worst car companies regarding problems per vehicle. In fact most European cars have more problems per vehicle than US cars. Also, many people think of European car companies as being environmentally friendly since Europe enacts a ton of environmental laws. However, the European car companies normally have to buy enviromental credits in order to pass air emission standards that US cars meet without having to do that. And if you look at US car quality, it has dramatically improved since the 1980's. Also the look and appeal of US cars has dramatically improved in the last few years. Toyota on the other hand has done very little and their cars are starting to look cheap and plasticy like Ford cars used to look. As far as GM and the unions are concerned. Americans don't owe them. The unions have somewhat abused their power and have not worked with the auto companies like they should have. This has caused the price of cars to skyrocket. I don't really see how people can afford $20,000 to $50,000 cars. The luxury cars and SUV's cost almost half the price of my house. For people my age, a pension is sort of like a dinosaur. It doesn't exhist in almost any company anymore unless you are like some rich corporate executive. And health benefits you pretty much almost have to pay entirely out of your own pocket. And getting paid 95% of your pay whenever you're laid off is absolutely unheard of except in the auto industry. Why should Americans pay thousands extra for a car to pay someone that has long since retired $3,000 a month or to pay someone 95% of their pay when they aren't even working? Cars are becoming too expensive to afford and a new car is becoming a luxury that many people are realizing they just can't afford in these tough times. The unions need to make some major concession or this big problem will happen all over again. And the concessions shouldn't totally be taken out on new workers. It seems like the older workers are making very few concessions compared to the new workers who get their starting pay cut to about half what it once was. To me, it looks like my parent's generation is making their kids pay so they can live high on the hog. And Congress has done it too. They just go ahead and spend and pass the bills with interest down to the next generation to pay. As long as their generation does see reductions in Social Security and Medicare checks they don't worry. I hate seeing the newscasters say that Americans should save more and should pay off their credit cards and should have at least enough money in the bank to live off of for 6-8 months. If you barely are making enough to get by, how do you save up enough to pay off credit cards and save back enough to live on for 6-8 months. You can't unless you save for YEARS to get to that point. And then, many of my generation have student loans to pay off. These student loans with the cost of college anymore add up to about the price of a new house by the time you're done. And then we're supposed to be able to afford a house and car on top of that? I don't think so. We need to protect our car companies. But we must DEMAND them to change. That means the unions and the corporate executives need to start making some concessions. And that means we need to push that gas efficiency, safety, quality, etc need to be more important than horsepower, 0-60 time, and torque. A bankruptcy will force them to change. But I would be leary of buy a car from a company that went bankrupt. Who would I go to for repair parts? Would the warranty still be covered? The Big Three need protected and bailed out. But if the bailout money is loaned or given to them a number of large changes need to be demanded. Flying on corporate jets to ask for billions is just one example of something that needs changed. A major overhaul needs done to these companies to make them competitive. I think their product is good. They just need to change what goes on inside the company so their product is affordable to the American public and doesn't cost half the price of a house.
  • You are wrong on which cars are better. And yes, how goes GM, goes the country, learn it, or live it and learn it the hard way. How can our congress drag their feet on making a small loan to try and save our countries industrial base, billions of dollars in wages, taxes, benefits, pensions, etc. Every day they wait is costing our economy millions and billions of dollars and driving our standard of living down even further. You are mistaken about your premise. The big three are viable, were profitable until the gas fiasco, and can be profitable again if the loan moneys are freed up to allow people to purchase vehicles. They were making the suvs, because that is what the American buying public wanted and were buying and they were very proifitable. Foreign automakers I believe get tax breaks each and every year from states and gov for having their factories here, sending the profits back home and their products aren't selling well right now either. They too were heavily investing in suvs because they were profitable. I would bet their countries are helping them out with cash if they need it right now, why in the world wouldn't the American gov do the same for our own hardworking American autoworkers? Don't believe all the BS about the $70. per hour wages, that is a total of wages, benefits, overhead, costs, etc. inflated for effect during negotiations. The new hires coming into say GM get around$15.00 per hour and basically no benefits. The jobs bank or sub pay was a negotiated item that GM and all the automakers, even the import companies agreed to, to try and retain highly trained employees whenever downturns occur. The Big 3 are asking for a loan to help people buy what they already want to buy, but the banks that the congress already gave 700 billion to aren't using the money for what it was intended? GM in particular has lots of the highest rated vehicles in quality and mpg, higher than the imports, it is just the American public has been brainwashed and don't want to hear it. Jealousy, I just don't know?
  • I have owned an American car of some sort my entire life, and have never been disappointed in longevity. Now I do own a German motorcycle. American cars did have a serious problem in the 70's and through the 80's but they have sorted that out I think. When we traded my wife's Mustang for our Jeep it had 140000 miles and 13 years of life and was still running like a top, and I had a hard time getting my wife to change the oil in 6000 miles (tune up? whats that?). And I did consider the FJ Cruiser (and other foreign SUV's including a VW, BMW, and Honda) for that purchase BTW it just didn't measure up for off road performance against the Rubicon. I think the big three may have issues with their product line that they need to address, like you don't need to market 5 different sedans in the same class (GM). But I think that their car building ability is very strong and compares favorably with auto makers around the world. We don't practice protectionism here, as many countries do to help their auto makers. I think the big three are still potentially viable businesses, but I am not sure what the best fix would be. But unions need to be ready to take a serious cut to keep these guys alive.
  • lousy housing plans! they're the reason why the economy is sinking! and it's all because some people were so greedy to get 4 or 5 houses during that time, they never knew interest rates will go higher and the time came they can't afford the mortgage and that changed the tide for many americans! and now, they're destroying our cars! what is wrong with those housing guys?! but I guess it was the fault of so many americans too who bought 4 or 5 houses, the greed kill them in the long run and now we are paying for it! answering your question, no one will buy german cars in this slumping economy, they probably might go for japanese because they're cheaper. the game plan is to make american cars affordable comparable to korean cars, just to stimulate people to buy american cars, then the economy will pick up, I guess.
  • Most of those cars you refer to as being Japanese or German are made right here in the USA., by American workers and mostly American made parts. We don't owe the unions or GM one thin dime. Let them make a car of equal quality and competitive price as Toyota or Honda or Nissan and you;ll see a rebirth of The Detroit Three. Not before.' Until then, forget it!
  • Yes, and it's sad because America has had the technology for years to be able to compete with the Europeans and Japanese in the automobile arena. They've played Americans for suckers for so long that they thought America wouldn't ever wise up to the game they were playing and being in bed with the oil industry to keep pumping out malfunctional gas guzzling junk. I think these are many of the conditions that will be attached to this bail out/loan.
  • Yes. Instead of 'bailing out' the car companies, the goal of government at all levels should be turned to rescuing the people most affected by their impending bankruptcy and dissolution. Since that's going to happen anyway, it would be better not to pay twice and give the fatcats huge paydays.
  • Yes, they have lower overhead costs. See this editorial from the new york times. http://www.nytimes.com/2008/11/19/opinio...When you buy american most of the money goes to bloated pensions and salaries for union members, not to materials for making a quality car.
  • Yeah. Sorry but if a Japanese car gets better gas mileage than an American car, will last longer, doesn't break down, and costs less, Which one do you think I'm going to choose?
  • well in base of YA true Americans logic they don't buy car made USA
  • The Fair Debt Collection Practices Act (FDCPA) sets guidelines for when debt collectors can call: * They can call between 8am and 9pm, your local time * They can NOT call you unless they have already previously sent a letter. * They can call you at work if they do not know your employer disapproves * They can call you 1000 times a day if they want. * They can call you once more after receiving a cease and desist letter What about weekends and holidays? Fortunately, many businesses, including collection agencies, are closed on weekends and holidays. Although the FDCPA doesn't specifically state which days of the week collectors can and cannot call, it does state that collectors cannot communicate with you during times "which should be known to be inconvenient." If a collector calls at a bad time, simply say, "This is not a convenient time" and let them know specifically what time is convenient. If you do not want them to call you anymore, answer the next time they call. Ask for their mailing address, and tell them you are sending a cease and desist letter. If they call more than once after you send the letter, report them. Link below for more details. here are 15 facts: The Fair Debt Collection Practices Act, FDCPA, dictates how debt collectors can act when collecting a debt from you. These are things a debt collector can't do. If you need to reference the law, citations have been provided. 1. Ask you to pay more than you owe The collector cannot misrepresent the amount you owe. [15 USC 1692e] § 807(2)(a) 2. Ask you to pay interest, fees, or expenses that are not allowed by law The collector can't add on any extra fees that your original credit or loan agreement doesn't allow. [15 USC 1692f] § 808(1) 3. Call repeatedly or continuously The FDCPA considers repeat calls as harassment. [15 USC 1692d] § 806(5) 4. Use obscene, profane, or abusive language Using this kind of language is considered harassment. [15 USC 1692d] § 806(2) 5. Call before 8:00 am or after 9:00 pm Calls during these times are considered harassment. [15 USC 1692c] § 805(a)(1) 6. Call at times the collector knew or should know are inconvenient Calls at these times are considered harassment. [15 USC 1692c] § 805(a)(1) 7. Use or threaten to use violence if you don't pay the debt Collectors can't threaten violence against you. [15 USC 1692d] § 806(1) 8. Threaten action they cannot or will not take Collectors can't threaten to sue or file charges against you, garnish wages, take property, cause job loss, or ruin your credit when the collector cannot or does not intend to take the action. [15 USC 1692e] § 807(5) 9. Illegally inform a third party about your alleged debt Unless you have expressly given permission, collectors are not allowed to inform anyone about your debt except: * your attorney * the creditor * the creditor's attorney * a credit reporting agency your spouse * your parent (if you are a minor) [15 USC 1692c] § 805(b) 10. Repeatedly call a third party to get your location information The collector can only contact a third party once unless it has reason to believe the information previously provided is false. [15 USC 1692b] § 804(1) 11. Contact you at work knowing your employer doesn't approve A collector is not allowed to contact you at work if you’ve let them know your employer doesn’t approve of these calls. [15 USC 1692c] § 805(a)(3) 12. Fail to send a written debt validation notice Within five days of the collector's initial communication, it must send you a notice include the amount of the debt, name of the creditor, and notice of your right to dispute the debt within 30 days. [15 USC 1692g] § 809(a) 13. Ignore your written request to verify the debt and continue to collect A collector can't continue to collect on a debt after you've made a written request to verify the debt as long as the request was made within 30 days of the collector's written notice. [15 USC 1692g] § 809(b) 14. Continue to collect on the debt before providing verification After receiving your written dispute, the collector must stop collecting on the debt until you have receieved verification. [15 USC 1692g] § 809(b) 15. Continue collection attempts after receiving a cease communication notice If you make a written request for the collector to cease communication, it can only contact you one more time, via mail to let you know one of the following: that further efforts to collect the debt are terminated, that certain actions may be taken by the collector, or that the collector is definitely going to take certain actions. [15 USC 1692c] § 805(c)
  • Ask the sequence employer to substantiate the debt and deliver you the evidence. only having your call and telephone huge type isnt sturdy adequate on the grounds that absolutely everyone can get that. the incontrovertible fact that the deal with is different than yours is a contact that someone might want to in all likelihood have opened an AMEX account on your call, bought something, and had it shipped to an deal with the position they could retrieve it. for sure, that is id robbery. Ask the sequence employer to provide you with the only top 4 digits of the Social safe practices huge type that became listed on the account at the same time as it became fraudulently opened. If the numbers are literally not the same as yours, I wouldnt subject about it because the sequence employer cant record something adverse to you in the journey that they dont even recognize your SSN. if that is the case, tell them that is not your debt, those very last 4 digits dont even come on the fringe of yours, the deal with is unknown to you, and then request their mailing deal with so that you'll deliver them an valid (go back receipt) letter demanding that they supply up calling you. If the only top 4 digits DO tournament yours, then someone has stolen your id and also you want to pursue that count number and under no circumstances ignore it. i have been contacted by technique of sequence businesses formerly because my husband's call is a extraordinarily rapidly ahead one, so i imagine the businesses are only contacting all the human beings interior the phone e book with the same call until eventually they get a fulfillment. (hint: ask THEM for the only top 4 digits of the SSN.....do not enable them turn that round and ask YOU instead. no matter if the numbers tournament, do not supply them ANY area of your SSN. they could refuse "for safe practices causes", and, besides, you want to inform them that "for safe practices causes" you gained't provide any own information both. only ask back for the debt verification, and performance it mailed to a acquaintances residing house.....preferrably one in a unique city.) sturdy good fortune!
  • They can call you in a days period until you answer the phone. Send them a letter stating you refuse any further communication with them. Note that this will expediate other collection efforts. The best thing to do is work out an arrangement to pay YOUR debt.
  • 1 time every day that you answer. they can call 100 times until you answer.
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