My husband and I are trying to buy a house but are having a hard time because he has a auto repo .?
479143
Yes, it depends on how long ago, but if you have other good factors (good rental payment history never paid more than 30 days late) & good payment history on your credit you should be able to get a home loan. Depending on your job stability, income, etc. also will play a role.  Depending on how the whole credit history looks you may still be able to get a zero down mortgage, or worst case may need to put a down payment.  Also, if your credit is better try to do it in just your name, if you dont make enough income perhaps you can do a no-qualifing loan.
1136726
See if there is someone else you can pair up with who has better credit and/or can help w/ down payment. (e.g. significant other, parent, family member)  This would help reduce interest rates which will prob be very high w/ poor credit.
985543
He has the right to block you in so you can't go anywhere.  If you were going to turn the car over yourself, you should have done that before the repo man got there.  There was nothing wrong with him unlocking the door, putting the car in park, or taking the keys since the car and the keys belong to the bank that hired him to repo the car.  Since you were refusing to get out of the vehicle yourself, he should have called the police.  They could have forced you out of the car.  Maybe you should just consider yourself lucky that the police were not involved.  If you didn't want these things to happen, you should have paid the money that you owe.
66833
Read the contract you signed and see what it says. If there is nothing in it saying they had the right to repo the car, then call the police and report it stolen by the dealership.
286619
I had  a repo several years ago and I even had two checkings and a savings account.They auctioned  off  the vehicle and go less than what I owed.I told them to kiss my *** and they did I,I never heard from them again !!
272987
What specifically are you looking for?\n\nAs long as the creditor went to court and got a writ to repo your car, there isn't much more you can do.
344636
There are financing options out there for you and your husband, but because of the bankruptcy you are going to have to pay a higher interest rate and most likely you won't be able to buy your dream house anytime soon.....it will take some time to build your credit back up and in time things will be back to normal for you both, check with top lenders, stay away from mortgage brokers, try Countrywide, Ditech and national lenders....mortgage brokers make profits based on several factors including interest rates, so someone who has credit issues are easy prey, national lenders typically have programs for people in the situation you are in and although you will have to pay higher interest, it won't be outrageous. Any other questions just send an email, happy to help.
806800
If it has been in both your possessions for 6 months, it is community property.  Go buy a car for you and tell him to stick that one up his a**!
800467
I have my own checking, my wife has her own and then we have a joint account.   We both contribute to the joint account.  She pays all the bills out of it.   I buy things for me and the house out of mine, she buys things for her and the kids out of hers. If that doesn't work. Take over control of his checking account.  Put him on an allowance.  If he gets it under control then slowly give him his priviledges back.   If he won't let you do that, then divorce him.  See if he can still spend while paying alimony and child support.
885284
Go and see a solicitor, maybe a letter from them may scare him into paying up. Good luck :-)
498208
There are laws concerning repossesing vehicle, but the laws generally deal with who can do the repo-ing and when they do they have to report it to the police. (This varies by state, check your local laws to be sure.)\n\nAs far as when the company can reposses, you will have to refer to your contract. Most auto finance contracts state specifically when collection and/or recovery efforts can take place.\n\nMost contracts state that when you are late (even 1 day), you are in default (you didn't hold up your end of the bargain). Most of the time, any time you are in default, the company reserves the right to recover the vehicle. This is a very good reason to READ THE CONTRACT BEFORE YOU SIGN IT.\n\nThe good news is that the finance company really doesn't want your vehicle, so they will work with you, most of the time, to resolve defaults. Most finance companies offer "skip a payment" plans, or something to that effect so that if you know you are going to have a problem with one payment, you can call them up and ask to put that payment at the end of the contract (this will cost you more in interest).\n\nI would guess that if you are current on your payments, they will not come and take your car. But, you could always call and ask them to be sure.
484349
If your husband has a steady job and your previous credit is fairly good, then you might want to try one of the credit companies like Capitol One for instance or HBC.  The interest rates are huge but they can usually find a way to put all the different debts together and spread it out over 25 more years to keep the payments low.  This was an option I took a a number of years ago during a renovation that went bad. Hopefully you can sell the house when completed if the amount you sell the house for is more than the debt and start fresh, getting rid of the high interest debt. It sucks to sell what you have worked so hard for but it is just a house.  The credit companies will sometimes let you pay the total debt without penalty if you sell the home and then you haven't paid much high interest anyways.  I understand the devastation and hopelessness of being in what seems to feel like an out of control situation.  You have to believe that life can get better just as quick as it went wrong.  If your only option is bankruptcy, so be it,  do what you have to do to make a stable home for your kids.  Just take control of the situation, get a few opinions and start sleeping again.  Banks run like sissies when you need help yet they are the first in line to bankrupt you in the first place.  There are reputable companies around to help people like yourselves in this tight spot.
573512
Wow, some interesting responses. \n\nHome mortgages are complicated, it is sometimes easier to buy a house than a $2,000 car on credit. \n\nFirst you need to realize that in order to buy a home with a mortgage loan there are really two approvals that need to take place, 1. Your Personal Financial Picture 2. The Property. There are many lenders that will give you an approval based upon just a few minute talk on the phone... but truthfully that is not an approval, but a pre-qualification. It means nothing without aplying that info to a peticular loan and that also means finding a property. \n\nThere are many loan options out there that allow little or no downpayment to be made. FHA loans do allow a small down payment amount of just under 3%, but FHA limits are going to be lower than 700,000 unless you live in a REALLY expensive area, and even then I doubt they would go that high (FHA Limits are different from county to county nationwide, though usually less than $300,000 unless it is a multi family home.) FHA loans do allow gifts from Non-profit groups, family members etc to pay the downpayment. But that is really the exception, not to say it is the only loan option available there are still others. \n\nBut getting 100% loan is often much easier. There are many ways to do that and they don't all cost an arm and a leg. \nYou can find a 1 loan 100%, 2 loans 80% plus 20% (this allows you not to pay mortgage insurance). There are however other loans that don't ask where you got your down payment and companies willing to give you that money to help you close (all to receive a fee from the seller for doing it) Contact me and I can help you.\n\nBest of luck to you!
1158614
If you are asking about purchasing a HUD home (a home that was repossessed by the govt. because the owners defaulted on a FHA loan), I would advise you do do your homework. In most cases, but not all, these homes are in need of repair. Unless you are really handy or have a friend or relative who is, you might want to think twice about purchasing a HUD home. Make sure you hire a ASHI certified home inspector to go over the home completely, top to bottom, so you'll know how much work the home really needs. \n\nIf you want to bid on a home, you'll have to contact a Realtor to submit the bid for you. You can go on the website HUD.gov to search for homes in any area. Your Realtor will be able to assist you with all of the required disclosures and contracts. Make sure you are pre-approved when you do bid or you'll risk being fined if your loan won't go through.\n\nThere are other avenues you may want to pursue if you are a first time buyer. Check with a Realtor in your area and they should be more than happy to assist you. Good Luck !!
808836
That is up to the finance company. Some will repo it if you're late two or three payments. I would try to get them caught up ASAP or call them and see if they will work a new payment plan up with you or else you might be walking really soon.
714245
is the house paid for in full? is it in your name? If it is in your name and you can not keep up the payments do you really want it? If it is in his name go while the getting is good you don't need a man like that.  If it is in your name tell him he can buy you out!
328769
It really depends. Your husband won't take on your poor credit per say, however, it may affect your borrowing capabilities. For instance, when you go to buy a house or a car, and if BOTH of you plan to purchase these items together, it may have an adverse affect on the credit scores used, and whether or not you ultimately get the financing you're seeking. I might also suggest you have him manage the finances in the family? Also, when a home, or a car IS financed by BOTH of you, as long as payments are made on time, it can help with boosting your own credit history.