toyota credit questions - Page 3 - Toyota Yaris Forums

nimith · 05-09-2009, 09:36 AM

Play poker with the credit company. Have a conversation like this:I am trying not to take the advice of my lawyer and file for bankrupcty, do you have other ideas. They want no part of bankrupcty. Just the talk of a Chapter 13 can buy you alot of time.

hatchbackkid82 · 05-11-2009, 11:14 AM

Come on everyone, every lil' bit helps. You spend more that that on a pack of gum. It's all about helping somone else out. If anyone's been down this road before you know how tough it can be. A dollar isn't going to break the bank and it will be helping a YW member out

.

Quote:

Originally Posted by silaypalmer13

I like the idea of everyone giving a dollar, that would take care of 3 months payments! Post up a paypal address, i'd chip in if others were interested, Trust me, i went through this a couple of years back, its ALWAYS best to find a way to get by, Most of us hate charity, but sometimes you gotta remember that you've helped others in the past, and just accept it like they did. Think about the paypal thing, see if anyone else would help out.

TinyGiant · 05-11-2009, 12:21 PM

do this.

i have a bunch of yaris world patches that i made up..

there is a thread in the for sale section.

if you want to help out :) buy some of those :) that way your getting something out of it ..

i dont want to solicit help really ..lol i feel bad.. so if you want to help buying the patches can help :)

Or i can do some more yaris world shirts too :) that way you get something out of it and i work a little for it :)

our church is awesome .. not only did they help us out a with the missed mortgage payment.. the pastor had us do his yard cleanup the other day and gave us $150 for that and they offered the lawn mowing job for the church to us which is $200 a month .it was really a blessing for sure.

thanks again for the kids words guys youre awesome. such a great community

JustFrozen · 05-11-2009, 08:28 PM

Quote:

Originally Posted by The little red pill

You have a $1600 mortgage?!? Wow. I thought my $850/mo was bad! Now since I lost my job, I sold the house and rent another house with a roommate for $375/mo. Really sucks. I had my house for 5 years!

A $1600 mortgage here will get you a 1 bedroom condo in a not-so-average (scary) neighborhood.

Interesting story, could be a good lesson for others, including myself.

TinyGiant · 05-11-2009, 09:37 PM

we have a 4 bedroom colonial (built in 1881) 1528sqft

hardwood floors decks on front and back of the house in down town (but not the bad down town ) ..more uptown

now that we are current on the mortgage (or wil lbe friday ) i get to apply for the obama plan.. i hope tobe down in the 800 a month range soon.. they cant charge us more that 33% of our income now with that plan.. so if we qualify. which we will .. it should chop our mortgage in half .. i hope :) which will make our load alot easier .. and we'll be able to pay for the car no problem and the credit card bills :)

Twistoffate0817 · 05-11-2009, 10:09 PM

Sorry that you are going through a rough time, hopefully everything works out.

TinyGiant · 07-17-2009, 10:48 PM

well i have some good news :) For thos who were in this thread . I finally got to get my obama home affordable loan modification processed today. They cut my mortgage payment from $1550 down to $843 :) they said for the next three months they will have it set at that (which gives them time to process the loan modification and get things rolling..i hear they are quite overwhelmed these days because of this program) and in october they will do the final modification which may go up or down but they said my monthly mortgage payment shouldnt be any more than $1000 which is still $550 lower than it was. They must be cutting my interest rate down like crazy. Its at 6.75 right now I have heard of them going as low as 2% which is awesome. They also have to keep me in this plan for a min of 5years at whatever the decide. I'm stoked. this is going to make life soooo much easier and i'll be able to keep the yaris :)

thanks again for everyone who help and kept us in their thoughts and prayers :)

41magmag41 · 07-18-2009, 10:21 AM

Just a suggestion, see a lawyer about personal bankrupcy. You can go through a chapter 13 and keep everything but make reduced payments and in 3 to 5 years anything not paid off will be discharged. That will allow you to keep your house and car as the bankrupcy court gives more weight to those items that are secured than the unsecured credit cards. Just one option to think about.

Phaeton · 07-18-2009, 11:18 AM

Whatever happened to personal accountability?

Quote:

Originally Posted by 41magmag41

Just a suggestion, see a lawyer about personal bankrupcy. You can go through a chapter 13 and keep everything but make reduced payments and in 3 to 5 years anything not paid off will be discharged. That will allow you to keep your house and car as the bankrupcy court gives more weight to those items that are secured than the unsecured credit cards. Just one option to think about.

TinyGiant · 07-18-2009, 12:14 PM

Quote:

Originally Posted by Phaeton

Whatever happened to personal accountability?

agreed. i'm not a dirtbag who doesnt make good on his debt. America is in the trouble its in because of people who dont have any accountability.

41magmag41 · 07-18-2009, 04:43 PM

It's not a question of accountablility. Thats what the credit card issuers and all want you to think. Think about it, the goverment with Mr. Leftest Omouthy just bailed out, with your tax dollars, all these companies who then payed all their execs big bonuses. Its time the working man had a chance to get out from under his debt. If circumstances come about then sometimes this is an option that's open to him. It was only an option, with the Chapter 13 you repay what you can through the court and the rest is forgiven. With credit card rates and all sometimes this is the only way. Again I offered it as an option not something carved in stone. Be my guest and go with what works for you.

Tamago · 07-18-2009, 04:44 PM

politics aside..... not even those with stellar credit are getting offers in the mail for new credit cards.. everyone's playing it safe.

41magmag41 · 07-18-2009, 04:45 PM

And just as a point of reference, my wife lost her job in January of this year and I was laid off in April. So I know your pain. And being in our mid 50's it's not easy finding work.

TinyGiant · 07-18-2009, 04:51 PM

i've closed 2 of my cards to lock in at the 5% they were on so they wont hike the rate and i just continue to pay off the ballance. i'm hoping to maybe when they do my loan modification see if they can roll in my credit cards.. get the mortgage company more money in interest and save me from having 3 bills :) 4 bills actually.

now that the mortgage rate is lower i can probably pay off one of the cards next month :)

05-11-2009, 12:21 PM	#39
TinyGiant Tiny Giant Clothing View User's Garage Drives: 2008 Blazing Blue Yaris 3D LB Join Date: Oct 2008 Location: Rochester, NH Posts: 3,394	do this. i have a bunch of yaris world patches that i made up.. there is a thread in the for sale section. if you want to help out :) buy some of those :) that way your getting something out of it .. i dont want to solicit help really ..lol i feel bad.. so if you want to help buying the patches can help :) Or i can do some more yaris world shirts too :) that way you get something out of it and i work a little for it :) our church is awesome .. not only did they help us out a with the missed mortgage payment.. the pastor had us do his yard cleanup the other day and gave us $150 for that and they offered the lawn mowing job for the church to us which is $200 a month .it was really a blessing for sure. thanks again for the kids words guys youre awesome. such a great community __________________ Sold the yaris... rocking an 89 vw cabriolet now :)

05-11-2009, 09:37 PM	#41
TinyGiant Tiny Giant Clothing View User's Garage Drives: 2008 Blazing Blue Yaris 3D LB Join Date: Oct 2008 Location: Rochester, NH Posts: 3,394	we have a 4 bedroom colonial (built in 1881) 1528sqft hardwood floors decks on front and back of the house in down town (but not the bad down town ) ..more uptown now that we are current on the mortgage (or wil lbe friday ) i get to apply for the obama plan.. i hope tobe down in the 800 a month range soon.. they cant charge us more that 33% of our income now with that plan.. so if we qualify. which we will .. it should chop our mortgage in half .. i hope :) which will make our load alot easier .. and we'll be able to pay for the car no problem and the credit card bills :) __________________ Sold the yaris... rocking an 89 vw cabriolet now :)

07-17-2009, 10:48 PM	#43
TinyGiant Tiny Giant Clothing View User's Garage Drives: 2008 Blazing Blue Yaris 3D LB Join Date: Oct 2008 Location: Rochester, NH Posts: 3,394	well i have some good news :) For thos who were in this thread . I finally got to get my obama home affordable loan modification processed today. They cut my mortgage payment from $1550 down to $843 :) they said for the next three months they will have it set at that (which gives them time to process the loan modification and get things rolling..i hear they are quite overwhelmed these days because of this program) and in october they will do the final modification which may go up or down but they said my monthly mortgage payment shouldnt be any more than $1000 which is still $550 lower than it was. They must be cutting my interest rate down like crazy. Its at 6.75 right now I have heard of them going as low as 2% which is awesome. They also have to keep me in this plan for a min of 5years at whatever the decide. I'm stoked. this is going to make life soooo much easier and i'll be able to keep the yaris :) thanks again for everyone who help and kept us in their thoughts and prayers :) __________________ Sold the yaris... rocking an 89 vw cabriolet now :)

07-18-2009, 04:51 PM	#50
TinyGiant Tiny Giant Clothing View User's Garage Drives: 2008 Blazing Blue Yaris 3D LB Join Date: Oct 2008 Location: Rochester, NH Posts: 3,394	i've closed 2 of my cards to lock in at the 5% they were on so they wont hike the rate and i just continue to pay off the ballance. i'm hoping to maybe when they do my loan modification see if they can roll in my credit cards.. get the mortgage company more money in interest and save me from having 3 bills :) 4 bills actually. now that the mortgage rate is lower i can probably pay off one of the cards next month :) __________________ Sold the yaris... rocking an 89 vw cabriolet now :)

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05-09-2009, 09:36 AM	#37
nimith Drives: 2007 yaris hatch Join Date: Dec 2008 Location: wisconsin Posts: 17	Play poker with the credit company. Have a conversation like this:I am trying not to take the advice of my lawyer and file for bankrupcty, do you have other ideas. They want no part of bankrupcty. Just the talk of a Chapter 13 can buy you alot of time.

05-11-2009, 10:09 PM	#42
Twistoffate0817 My Little Blue Egg :) Drives: '09 3 door Yaris Join Date: Dec 2008 Location: Voorhees, NJ Posts: 185	Sorry that you are going through a rough time, hopefully everything works out.

07-18-2009, 10:21 AM	#44
41magmag41 Drives: Loaded 2007 mica silver sedan Join Date: Sep 2007 Location: New hampshire Posts: 226	Just a suggestion, see a lawyer about personal bankrupcy. You can go through a chapter 13 and keep everything but make reduced payments and in 3 to 5 years anything not paid off will be discharged. That will allow you to keep your house and car as the bankrupcy court gives more weight to those items that are secured than the unsecured credit cards. Just one option to think about.

07-18-2009, 04:43 PM	#47
41magmag41 Drives: Loaded 2007 mica silver sedan Join Date: Sep 2007 Location: New hampshire Posts: 226	It's not a question of accountablility. Thats what the credit card issuers and all want you to think. Think about it, the goverment with Mr. Leftest Omouthy just bailed out, with your tax dollars, all these companies who then payed all their execs big bonuses. Its time the working man had a chance to get out from under his debt. If circumstances come about then sometimes this is an option that's open to him. It was only an option, with the Chapter 13 you repay what you can through the court and the rest is forgiven. With credit card rates and all sometimes this is the only way. Again I offered it as an option not something carved in stone. Be my guest and go with what works for you.

07-18-2009, 04:45 PM	#49
41magmag41 Drives: Loaded 2007 mica silver sedan Join Date: Sep 2007 Location: New hampshire Posts: 226	And just as a point of reference, my wife lost her job in January of this year and I was laid off in April. So I know your pain. And being in our mid 50's it's not easy finding work.