If your loan company offers you to skip a payment but omits that all previous payments will be lost, anything?
84724
I was offered one last Christmas what happens is that you will still incur interest on the full balance of the loan so your actual loan balance will increase by that amount. The first thing any homeowner can do is study their aromatization sheet. It lays out how much of each payment is going towards principal and how much towards interest. When you skipped that payment the amount of interest ADDED to your principal. And if you are in the first few years of your mortgate that is the majority of your payment. That is what may have happened. Hope that is helpful
930951
It depends on the State and city you live in. And also the firm that holds the loan. Most do charge a fee or penalty to cancel a loan. I would check with the company that holds the loan and get the information. Also read all the fine print on the loan papers, there should be a section that tells you about penalties etc..\nGood Luck.\nKali
8495
Dealing with the bank is your best choice. You can usually ask for a Forbearance, if you have sufficient income to continue making payments. Ask for the Workout Department, and tell them you are willing to work something out. They may put the past-due payments at the end of the loan, or allow you to pay a little more each month to catch up the past due payments. Depending how far behind you are, this may be your solution. If you still have problems, there are other options you can explore.
221291
Yes, I'm pretty sure that they can do that. I've known people who have had this happen to them, and there is really nothing you can do, except ask the company if you can pay it back gradually over time.
653128
If they dont report the information to the credit bureaus it does not affect your credit.  Going 7 dollars over does not effect your credit if paid within the 30 day period
256799
A freakin miracle!\n\nI have seen the term "early payment" (sometimes there are penalties, sometimes not) in loan documents I have read before signing.
577009
just pay the amount of the payment\nno one says you have to pay the whole thing at once
474362
All refinance loans have a 3 day recission period (not counting weekends or holidays). If it was a purchase, I think you're pretty much SOL.\n If I were you, I would contact the Lender directly. The Agent wants their money and if your loan doesn't fund, they don't get paid.
383743
They will not reject it. They will perhaps disagree with it and send you a letter explaining why they disagree, normally two years later. They do not work at more than a snails pace. Also in that letter they will tell you how much extra you owe, according to their calculations. You then have the option of explaining to them why they are wrong and you are right or paying what they say you owe. \n\nThat is all there is to it. \n\nIt has happened to me maybe a half dozen times. I am about 3 for 6, with them. I lost one real big one to them that I still believe I should have won. The other 2 were stupid mistakes on my part.
954806
You call.  You say I'm interested in finding out if there is anything you can do about my current APR.  \n\nThat's it.\n\nIf they hem and haw, say you got an offer from another credit card company for 0% APR for the life of the transfer.  That usually gets them moving.  \n\nBear in mind though, that you should at least have been making minimum payments for some time.  They will work with just about anyone but the better you are in paying your bills, yet keeping a balance, they better off you will be.  They don't want you to take your money elsewhere, but they do want to be sure they are going to see some of it someday.
1094979
only if you skip out on paying the rent, not move on time or if you damage things and she doesnt take care of the bill before they send a collection agency after her. So, bottom line... nothing will show unless you dont pay or take care of the place.
327574
Contact the company directly and give them supporting documents to prove it is only one and it is too old. Ex: cancelled checks to show payment. And in the future after repaying an old or even a current debt, always ask them to send you a letter showing a zero balance. That way when there is confusion in the future you have proof it was paid and the date.
305607
No. Thats one of those things you are supposed to look at before signing on the dotted line. You can call the company (after making a good 6 months of payments) and re-negotiate your interest rate. Until that happens you are stuck unless you want to get a loan from an outside company with a lower interest rate and just pay the car off now but depending on how much your income is and your debt (including this car loan) you may or may not be approved. The current car loan can make your debt/net ratio be too high. You can also make payments to the principal only which I suggest to pay the car off quicker.
151490
Yes, sometimes you can.  You may have to take an interest only loan, and one with a high interest rate, and you will probably be given terms of a hugh pre-payment penalty.  Not all lenders look strickly at the numbers, some actually do look at the over all picture and past history before your circumstances forced you into bankrupsy.  Good Luck, and keep looking as there are some companies out there!
939162
no just let your company know that you have moved and they will send you your bills to your new address. Make sure you do tell them though as i made the same mistake and didnt bother which they have now caught up with me and im still paying it now
910666
If it goes past due...it will hurt your credit score. Ask them if you can make an interest only payment...that should help with a little extra cash and also not hurt your credit. If they agree, make sure you first ask if they will report it as a delinquent payment.\n\nMike\n\n================
713780
Check your contract. Legally they may repossess it one day following a missed payment. However, many contracts specify 30 days.\n\nEven so, many lenders do not repossess that quickly, especially if you call and ask them to work with you to get caught up.