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James Jones

Bridgeport, CT, United States

Member since July 02, 2012


  • If a person files bankruptcy and then finds themselves in a spot where they need to delve into the confusing world of post Bankruptcy Car Loans, it can be intimidating. These loans are easier to get than one might think, but consider if it is worth it. By pondering all options and their ramifications a person can make a decision that will be best for their financial future.

    Take a deep breath and count to ten before allowing panic to ensue. A person may think that there is no one left to lend them money but the leaders are out there. If one can step back and think about the offer as if it is being offered to a family member or loved one, they may be able to see the offer more objectively and make a better decision.

    Pause to let logic seep in before making any decision. Making a list of the pros and cons of an offer will help to distance one from the personal decision. If after that it is clear that a car is needed know that the interest rate may not be the best at first, but make those monthly payments on time and somewhere down the line a person can switch loans to a better interest rate.

    When considering a less than stellar loan for a car, one should consider just how badly the car is needed. If it is crucial then when taking one of these loans a person has got to be sure they can meet the payment in a timely fashion every month. Making those payments on time can be the difference between a better loan or more ruined credit.

    Finding a used car may be a better choice. Ta...

  • Importance Of Bad Credit Car Finance

    Well-being, Industrial Design

    Individuals who have a terrible rating as a result of past mistakes have a way of acquiring new vehicles thanks to the bad credit car finance. This is a package provided by a lender who looks at the amount being applied for and determines whether the person is able to repay the entire amount. Where possible, it is then advanced to them with an agreement being signed between the two parties.

    It is through interest rates that the financier is able to gain some money from the deal. Dealers and providers have different rates depending on the method used to qualify the borrowers. Some charge a lesser amount while others are known to charge higher especially in the extreme cases.

    With regular payments and without defaulting on any of the premiums, the loans advanced here can actually be used as a reference in future applications. Consistent payment shows that a person has improved in terms of responsibility and can actually be trusted. This improves ones chance of getting financing for new projects which they may not be in a position to personally pay for.

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    In a case where one has a very low rating score, ability to raise a deposit for the vehicle helps one to score some points with the provider. It does not have to be much. It can be a small amount but which will obviously have a great impact in a number of ways.

    There are providers that have created websites and blogs where borrowers are allowed to make applications. All they have ...

  • Information About Default Car Finance

    Well-being, Industrial Design

    For those who have less than perfect credit, the dream of purchasing a new car may seem like an unachievable one. This can be especially true if scores are low due to bankruptcy, repossession or delinquent auto payments. Getting Default Car Finance is possible, though there are some things one should be aware of before attempting it.

    Some people feel they will never have the opportunity to buy another vehicle if they have ever had a car repossessed. As long as the action was not part of a bankruptcy, it is possible to prequalify for a loan. However, in this scenario, prepare to be required to produce a larger down payment and to have choices limited to only newer vehicles with active factory warranties.

    As for bankruptcy, as long as it has been discharged or an Authorization to Incur Debt has been received from the trustee, it is possible to qualify for a loan. Be aware that applying after a Chapter 13 filing may be a slightly longer process. The attorney handling the case will be able to advise when one is cleared for new purchases.

    The first thing to remember is that this type of financing is a second chance and should not be taken lightly. Proceed with caution and be aware of potential scammers who preying on people in a bad credit situation. Taking the time to do a little preparation work before beginning the search for a new vehicle could save both money and disappointment.

    Being aware of one's credit score can be a big help in this endeavor. That number will be cru...

My Interests

  • Industrial Design
  • Environmental Design
  • Communication Design
  • Fashion Design
  • Audio/Visual Design