Ok,I’m 25 and I just got a 04 Pontiac Grand Prix with 112,109 miles on it,for ,000 but got slammed with a 21% interest rate. I tried before hand to get a lender/bank/credit union going in but No one would fiance me because I have 540 credit score. I had to take the deal because the truck I had was a gas hog and was falling apart and I need a way to get to work, so I sold that to get the down payment for the Pontiac.Here the issue,I have had it for 3 months and I have no problem paying the car note(1-a month) but when the economy shot 2 year ago and my job gave pick slips to me and hundred of people,unfortunately I had lost my home and voluntary returned a 02 Monte Carlo to the bank.As you may know now I have a for-closer and an repossession on my credit which is the reason for the low score. I currently have had a job now for the past two years so I making it even tho it get ruff at times with other things like college and apartment bills. I cant find any lender on the net to refinance a car with that many miles and it doest help that my credit score is so low. I was told that since I’m still young I should file bankruptcy to clear my dept and start over now. The only issue I have is I want to keep the car I just got but is there a way in the bankruptcy that I can keep the car and get the lender/bank to lower the interest rate so I can keep it?Or do I have to give it back or keep it out of the filing altogether? I’m a perfect example of bad thing happening to good people because I held a job all life and payed bills on time but you know what the say "sh** happens" Please provide me with some good meaningful advice .on what the best possible decision Thanks!!!

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My ex and I bought the house 3 years ago, and have been equally paying it off, after he cheated last december and we split.
I tried to get the house, but the bank said I couldnt do it alone (even tho, I can make the payments) If he goes bankrupt, does the house get automatically transferred to my name, or do I lose the house? or do I get the opportunity to get the house? I am freaking out, coz I dont want to lose my house.
I am renting it out at the moment for half the cost of the mortgage.
Any serious help and advice is sooo appreciated.
Thank you

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I am not eligible to receive a student loan by myself because of my young credit of only about a year even tho I have an excellent score.
I am not able to have my parents cosign for me because they are coming out of bankruptcy a little over a year out and have re established their score. but the loan companies and banks say it needs to be 2 years. I recently transfered to a very expensive school. I did receive a scholarship, but it doesn’t quite cover the cost, which including housing is around 40k per year. I have excellent grades deans and presidents list every quarter of my 3 year length college career.
But what I really do not understand is how on a deferred student loan you are required to have a co-signer when they can be removed as your co signer after 18- 24 months.
This does not make much sense to me and if anyone has any kind of alternative ideas comments or solutions I would appreciate everything I can get my hands on.

Thank you

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Income=1200/mo. 4 creditcardpayments + 1 unsecuredloan (used for massage theray school) payment= 940/mo. Rent=5. Not to mention other bills and food. The only way I am making it is thru occasional money and food help from friends/family, tho very few of them know that I am ,000 in unsecured debt. I used that money to help pay expenses- scraping by frugally, not spending unwisely, just making ends meet for past 3 years on very low income when i was going to school. Also 2 roomates skipped out and I used the credit for 4 months to pay 00/mo rent that I should have only paid 1/3 of, two years ago. Now I am having to use what is left of my credit to help pay the other credit bills. And having paid no more than a week late a few times while waiting for income, (hard to choose whether to pay late or to pay with other credit cards!),interest rates way high: 80 x 32.99%, 50×26, 00×26, 00×23, 00×9. Am in deferrment of 000 university loan. HELP very ashamed
Thanks for your help!!! Tried to get a loan with lower interest from my credit union and wellsfargo- refused. nobody in my family wants to cosign- i don’t blame them! 5 is cheap rent downtown Denver! moving back home would kill me, (plus 1000 miles away and no work there). I’m not really making enough to have credit counseling take a autodeduct, esp because my bills end up exceeding income. Bankruptcy seems like the "easy" way out (except for the shame and embarassment, and also the only way out at this point), tell me how it’s not. Only thing I’m worried about is that I won’t be able to get more loans to keep going to school. I don’t plan to buy house or expensive car. Also, I’m trying to run a web dev business, so far mostly building portfolio. How will it affect my options with the business? You guys rule.

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