how do i get help with a car credit when i have a problem and get no satisfaction?
404690
$$$ as the saying goes money talks and BS walks.. The more money you can put down on the car.. better the chance of you getting approved.. No matter what the situation.\n\n$0 down.... Try again\n$500 down.. nope\n$1000 down.. Now we are talking.\n$1500 down.. Getting better\n$5000 down.. When can u pick it up.\n\nBut most can get approved at the $1500 mark
296862
ak is right...\n\nYou must have a bad credit rating, or worse, no credit rating at all.\nThese are two things that will stop you from getting a car.\n\nEstablishing and maintaining a good credit score will get you that car in your driveway tomorrow.
594019
he might stop in but your story sounds too much like a lie.  as for a credit score for a car it all depends on what year the car is.  what make and model. whats your job status.  how much you make.  its a bunch of factors.  you can have crap credit and get a nice car but your payments will be through the roof.  you can get a crappy kia with really bad credit but what you wont realise it that once you drive it off the lot it will be worthless and impossible to sell.  do some research
12932
Credit counselors probably would help.\n\nYou might find the book below to be useful.\n\nNow is the time to straighten out your problem before it becomes overwhelming!!
18515
Some dealers will sell you the car with a high percent rate.  They don't care about the bad credit.  If a big dealership doesn't sell you one, go to a "mom and pop" type used car dealership.
178538
Andy is absolutely correct.\n\nCredit repair companies are a scam.  They are charging you to do work that you are capible of doing yourself.  \n\nThe problem is most consumers don't know what to do. They don't know the laws, or the procedures in how to deal with credit agencies.\n\nBelow are some of the best links I have come across.   Read up, and if you need further advice contact me.
774251
CarCraze --- you are wrong, sorry to say\n\nWhat you have there, my dear, is a bona fide Court Order for you to appear in court to answer to a Motion to Collect a Debt. If it is on Court paper and has a case number, call the Court to confirm the Docket Number, and find out when the hearing date is.\n\n\nYES, they do have that power.\n\nYES, That is the equivalent of a Subpoena.\n\nIf you "just let it ride", as you say, don't be surprised when you open up your paycheck and you find a good chunk of it GONE !\n\nWhat you should do:\n\nSeek legal counsel (get a lawyer) and come up with a manageable payment plan that is both satisfactory to your creditor, and workable for you.\n\nDON'T HESITATE - you will regret it.
191401
There is no government credit counseling service. The only one with consistently good recommendations is Consumer Credit Counseling Service (CCCS). But realize using a credit service will trash your credit rating, similar to a Chapter 13 bankruptcy. Try negotiating with creditors by yourself first.
830876
You need to get your papers out and read through them. Most car companies will just come repo it in the middle of the night. Sounds to me like you're buying a car from one of those $50 dollar a week no credit needed places. They generally are a lot tougher than a financing company like Ford or GMAC. Those two will send you a letter threatening to repo after you're 60 days late. Never heard of it being done at 30 days.
441132
Check http://www.mycarstats.com for owner's complaints
559890
I would search on there name on the internet too see if anyone has posted having any problems.  You can also check with your state attorney general to see if there on the up and up.\n\nThe BBB is ok but if they are members of the BBB and pay there dues they let some pretty lousy companies get away with bad practices way longer then they should.\n\nIf you are trying to repair your credit have you gotten a copy of your credit report from one of the 3 reporting agencies?  Alot of times they have programs to help you learn what effects your credit and give advice on clearing it up.
766636
Be very careful with credit counseling agencies.\n\nThere are good ones out there - and there are bad ones out there.\n\nAny that charges YOU the customer - is not a good deal.  Then too there are those that have you send them your money and then you never know what happened to it.  No one gets paid and you never get it back.\n\nThe only one I can tell you for sure is legit is "Consumer Credit Counseling".  It appears to be the most respected one in the credit industry.  \n\nKnow too that lenders do not have to abide with whatever a credit counseling agency tells you the creditor will do.\n\nPLUS - talk to the creditor first is a good idea.  Explain to them that you are considering this option.  You may find that your creditors will work with you to resolve the problem you are experiencing.  My company does that.  At no cost to anyone.\n\nGood luck.
529873
If your credit is already shot, bankruptcy might be an option.  That way you don't need to pay back your unsecured debt, and you can start rebuilding your credit once you aren't trying to pay too much each month with too little money.  Be aware, though, that a bankruptcy will stay on your credit record for seven to ten years.  \n\nIf you already find that you can't get credit because you've had problems, it won't hurt you, but if your credit is salvageable, try contacting a consumer debt management outfit.  They will negotiate with your creditors to reduce or possibly even eliminate interest rates, and you will pay the outfit a flat amount every month, which they will pay out to your creditors.  They usually charge something for their service, but it is not much and it is a whole lot less than what you are probably paying in interest on your existing debt.\n\nGood luck.  There is a light at the end of the tunnel.  You just have to perservere.
908646
Some credit is available to people with bad credit experience.\n\ngood luck !
706987
You can do it yourself or you can pay someone to do it for you. \n\nHere is a good free kit to do it yourself: http://www.expert-credit-advice.com/free_credit_repair.htm\n\nHere is a good company to do it for you: http://www.expert-credit-advice.com/credit_repair_service.htm\n\nAnd if you are one of the skeptics that has said it cant be done because your credit is messed up and you have given up, read this page: might change your perspective: http://www.expert-credit-advice.com/credit_bureaus_credit_repair.htm
968971
Truthfully, NONE!  Cars are a joke and the getting around a finance company that paid for your car is a joke.  Sorry, I wish I had better news for you.\n\n\nI just want to add of the about 50 lemon cases that I have been involved with, only about 3 came out on top in ways all 50 should have.  Credit, cars, credit cards and financing is ruining this country.\n\nTake Care
500747
*shakes head in disbelief*  Why do people answer questions when they have absolutely no idea what they are talking about?\n\nDon't bother consulting a lawyer on this one.  It would cost you too much.  This is exactly what small claims is designed for -- someone like you with a case small enough that lawyers should not be involved.\n\nSue.  On the complaint, spell out the facts of your case and then ask for alternative relief.  Meaning -- ask for the car to be put in your name.  Then put down that if the court denies you the car, that you are asking for all payments made on the car to be returned to you.  Assuming the facts as you have presented them are true, then the court will almost certainly grant you one fo these two remedies, possibly with interest.