Ask Bill Articles on Getting a Loan
Readers have asked Bill hundreds of questions about how to qualify for auto, home, student, and personal loans. Read the following to learn more about loans for people with great and not-so-great credit.
The creditor made a payment to the wrong account and now I am late on the correct account. Is this legal?
Interest rates are only one consideration when looking for a loan to consolidate student loan debt.
I co-signed on a student loan, and the primary borrower died recently. Am I responsible for paying this debt?
Is there a way to refinance my car loan to make the monthly payment a little cheaper?
I seek a cash-out auto loan. I declared bankruptcy three years ago. What are my chances of getting a title loan?
I co-signed a loan, and now the primary borrower wants to refinance. Do I need to co-sign again? How will co-signing affect my credit score?
What form do I need to report my paid mortgage to the credit reporting agencies?
My home needs extensive repairs I cannot afford. Where can I find a loan or grant to make repairs?
My car loan was sold to a new lender without my permission. Is that legal?
Am I better off in a 30-year loan with smaller payments or a 20-year loan that is paid off sooner?
I just paid off a car loan on which my Mom co-signed. Even with a low credit score, will I be able to get another car loan?
I am considering borrowing money at a low interest rate, and then investing the loan proceeds. Is this a good idea?
I have strong income and good credit. Can I find a refi loan for 100% of the value of my home?
Do I have to subordinate my HELOC, which has a $0 balance, if I want to refinance my home?
Can a person refinance private student loans as federal student loans?
Where can we get the best deal on financing a car? A credit union? Or should I stick to a car dealership?
If I get a $87,000 HELOC at 5.75%, what will my monthly payment be?
I need a short-term loan of $12,000. What are my options and where can I find such a loan?
Can I request the deficiency balance statement after my car has been sold?
Since an RV can be considered a second home for tax reasons, if we cannot afford its payments any more can we short-sell it?
I have $30,000 in unsecured debt I want to consolidate, but I have a high debt-to-income ratio. What are my options?
What should you do if a vehicle dealer's finance department tries to do a bait-and-switch on finance terms?
I want to buy a new vehicle. Can I just transfer the balance of my existing loan onto the new vehicle?
Can you get your federal student loans waived if you receive Social Security benefits?
What are my options if a lender rejects a short sale?
I cannot afford the payments on two signature loans. My bank is offering to consolidate the loans. Is this a good deal?
Can you help me find a lender that will do a cash out refinance for an auto loan?
Should I surrender my car because I can't get insurance?
My spouse owned a home three years ago. Do we qualify for the First Time Home Buyer Tax Credit?
I have $200,000 in credit card debt, owe the IRS $80,000 and pay a mortgage on two homes. What are my debt resolution options?
I cannot afford my mortgage. What will happen to me if I turn over my house to the bank? How much will I owe?
My school closed two months before classes began. Am I responsible for repaying my student loan?
I owe about $30,000 dollars & i would like to consolidate my bill. Help!
What can I do if I was denied a home equity line of credit?
I want to buy a new car, but have a 490 credit score and a 80% DTI. What are my options?
Can you incorporate all debts including home, vehicles, and credit cards into one loan?
Do you loan to people who are expecting a residential school settlement?
Can I still catch up on my loan if I received foreclosure papers?
Do online payday loan have the right to debit your account after two years of nonpayment?
I'm a parent looking to get student loans for my child. Where can I find more information about student loans?
