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first check with the bank that holds the loan on the truck. most baks are ok with transferring the loan into a new name however they may charge a fee to do so. you do not want your name remaining on the loan or title if something goes wrong. look at kbb.com find the value of the truck compared to loan left. if the value is say 6000 loan is 3000 your friend should in addition to continue paying the loan pay you 3000 difference or what you both find fair.
This is not so much an answer, as a follow-up. I have seen this before, I tried to buy something from a seller bought from in the past, and I got the same message. I know this person has either a business/premier account, so I get it either.
Thanks if you can help!
They usually will take over payments if you put alot of money down, therefore taking all your equity, if this works out make sure from your lender in writing that you are100% no longer responsible for that debt at all.
Good luck mrgreg1
… paying larger monthly instalments, it makes more sense to live in a smaller house and invest in buy-to-let with tax-deductible bond payments
No. EI benefits are not the same as social assistance payments so you need to enter them here.
You will, however, receive a T4E for any EI benefits that you received during the year and you will put the amount from box 14 on line 119 of your return. If there was any income tax deducted then it would get totalled with all your other amounts for income tax deducted on line 437.
“Thousands of Americans are losing their homes because of mistakes in their Hardship Letters; Don’t let your family be one of them!”
Write a hardship letter to your lender, explaining your present situation. Writing hardship letters does not have to be difficult, but you need to know what your lender is looking for. Many homeowners simply do not understand the basics of writing an effective hardship letter and this is costing them their homes.
When i was in that situation two year ago, i acquainted with a free mini course that shows me how to responsibly state my income so that my debt to income ratio is the target my lenders are looking for. I have seen this too much and have decided to put an end to the thousands of people who just need to follow a hardship letter sample and simply written up to date guidelines.
Those are FULLY a scam. You cannot legitimately over another These folks are looking to avoid a foreclosure by foisting off their financial obligations onto another. Many of them take payments' and then allow the to go to foreclosure. The ends up with nothing.
You can ONLY do this safely with the very few which are under the terms of the original In order to assume a you must undergo a credit check by the lender involved, who will approve you to the involved.
Steer clear of the Craiglist offerings unless you carefully scrutinize the document involved, and have it properly transferred to your name.
It means that it is held because you need to pay. Call the place where you bought it from and let them know what is happening,
You only own a home when your name is on the title. For you to legally take over payments on a home with a the bank must transfer financing and title to your name. Essentially, it is the bank or lender who will determine if you can take over payments, not and I repeat not, the homeowner. If the home owner is not willing to involve the bank BEFORE you make payments it is most likely a scam or even worse, fraud (which you could be criminally liable). Please, please, please do not do this on your own . . . an experienced realtor or attorney can help you avoid such scams.
The dollar amount of monthly payments you are making on installment loans, credit cards, home car loans etc.
Another words, the payment you need to make each month to "service " the outstanding debt (amount owed)
Hope that helps!
usually that means its offset or hold on it for other debts such as child liens, etc.
Someone may bought when the market was at its high and now wants to bail out. It may be OK, maybe not. You will need to determine what the real value of the is to decide if it is a good deal. The existing lender would have to approve you before not calling the loan in.
When you make a principal only payment. The interest for that month is added to the remaining balance of the loan.
It was originally designed for people who have seasonal fluctuations in their pay (construction, agriculture). This way if work was slow, they could pay the smaller amount (the principal) and make up the difference( the interest) later in the year when work picked up.
Some credit cards even offer this type of payment or skip a payment during the holiday season (Christmas).
Because it is not explained very well, yes it can become a problem I call a credit trap -you will be paying longer and the car will quickly be upside down (you owe more than If the car breaks down, is totaled, or sold you will still be paying for something you have or use anymore.
Principal Only payments should be used only as a last They make a lot more money on a loan when this option is used by the consumer.
BE careful. Lots of scams out there.
Be sure you get title or iron-clad contract for deed.
I think welfare should go first. (And black, so I cry racism: even though I like the term "negroes".) Welfare was to assist those who were having a hard time because of a drug addiction, abuse, etc., etc. Now I think been abused and not being used for what it was created before. So, yes…get rid of it.
Written approval and a release from the lender.
I dunno about New Jersey specifically, but payment in lieu of taxes (PILOT) are payments made by State or Federal governments (and some other organizations), on that they own, to the town or county where the is located.
Normally, taxes are paid to the municipality or county by the owners of rental But State and Federal Governments are tax exempt so they pay no taxes. Instead, they make a payment in lieu (in place of) those taxes. The argument is that the get the same services as other but, if they are tax exempt, they pay their fair share for the services. In areas with a lot of government owned this can create a serious burden for the local government and tax payers. So only fair for the higher levels of government to make up the (PILOTs may also be made by other exempt organizations like churches or non-profits in some circumstances.)
PILOTs are usually lower than regular taxes houses, office buildings and churches put kids in the school system or use the public libraries or parks) so there is often friction between the local taxing authorities and the exempt owners as to what is a "fair" PILOT.
I think what your form is asking is: "Is the building you live in owned by a government or other exempt organization (like a church) which is tax exempt but makes payments in lieu of taxes to the local town or county".
Do you pay estimated taxes? People who typically owe more taxes than is normally withheld from their paycheck, or those who are self-employed, are required to make payments based on what they expect to make that year. That is what they mean by "Estimate of Total Payments"
The estimate of Total Tax Liability is what you estimate that you owe.
So say you are a self-employed hairdresser and you usually make $50,000 a year and pay about $6000 in taxes. Each you make a tax payment based of $1500.
if at the end of the year you actually make $55,000, and owe $6700. what your answers would be:
Estimate of Total Tax Liability $6700
Estimate of Total Payments $6000
You would have to send a check with the $700 with your extension.
If on the other hand you made LESS money you can either put the estimate or make the number the same as your payment – because the IRS care if they owe you money when you file an extension. (They get interest-free loans… but you grrrrrrr.)
If you get a paycheck from an employer who withholds tax, then your estimate of total payments is the total tax withheld (which is a payment). And you have to figure out whether you will owe more and pay it.
a bad idea in general.. the only reason why is because a person is about to file for bankruptcy and anybody who is knows that better to foreclose the home than have somebody take over the payments
Wikipedia is your friend:
It sounds as if you have a Personal Paypal account – this allows you to buy as many items as you want, but you have a limit on how many payments you can receive, and you will not be able to receive any credit card funded payments.
You will need to upgrade your account to a Premier, which means you can receive multiple payments and accept credit cards, however you will be charged a transaction Fee on each amount you receive.
If you are not planning on selling much more, you could ask the buyers to pay by Cheque or Money Order, but most buyers prefer the speed and convenience of Paypal.
Hi,
They applied to your principle unless you made a notation. Otherwise it goes in the escrow account, you have to specify that for the principle to lower the actual amount due. Read all your statements since overpaying, there see where the extra $$ was applied to.
They want you to estimate how much money you think you will owe the IRS once the taxes are completed. In addition, they want to know if you have made any payments in 2008, estimated tax payments.
Also, you would have to give a little more info than what you have given. Is this for personal taxes, or a business????????
If it is personal taxes just go online and e-file before April 15, 2009 and you need an extension. If it is for business and you have a financial statement just take the bottom line, net profit/net loss and multiply that by 28% for federal and 5% for state and use that as the estimated tax due, until you get your taxes completed.
i mutter to what i want the guy behind the sign to do.
i was in a similar situation: an individual wanted to purchase my car that i still owed on. my credit union said he had to open a c.d. ($500) and borrow against it to establish credit with them. he would then have to make the payments ON TIME for 6 months, and then they would do a loan for him to pay off my loan. i know if this was a "favor" since i have used the credit union so many times, or if an option for most/all banks and credit unions.
pretty obvious. If you miss car payments, they will reposses your car and you will have to walk everywhere
Not something you want to do. Folks in trouble are looking to avoid foreclosure by simply issuing you a quit claim deed to gain title to the house, and then allowing you to continue making THEIR payments.
The problem is that taking over someone thusly is not allowed by the lender without approval and refinance. Moreover, Form 1098, which provides evidence of interest paid for tax deduction, goes to the FORMER owner, and YOU cannot deduct it legally from taxes because you are not legally obligated to pay same.
If not bad enough, you MAY be taking over a for more than the house is In other words, it IS too good to be true !
The majority of those ads are at best misleading and at worst outright scams. There are very few today that are assumable by a buyer. Even if it is assumable, you would still have to be approved by the lender as if you were applying for a new loan.
Some people will attempt to sell their home and have the buyer "take over" the payments. In most cases, this is in violation of the agreement–most loans have a "due on sale" clause that would require the loan be paid off. If the lender finds out, it could declare the loan in default and accelerate the payments. If the loan paid off, then the lender would foreclose.
You could do one of these deals but be aware you are in violation of the loan. However, if you later default, its not on your credit–it is still the credit of the original borrower.
Be very careful if you try to do one of these deals.
It allows them to use bigger numbers when they deficit scare monger.
I kno a lady who recieved her payment dd on 4/24 n her 97 so that schedule that the irs has listed is a c.o.s.
Because it is propaganda leaving out the truth as you pointed out . The only added spending in Medicare is " D " which was an unfunded mandate and should be eliminated .
Generally, you get charged the social security tax at the time the payment is made to you.
estimate of your total liabilities means what you owe to the irs based on 2010 taxable income less deductions the total payments are what you paid on estimated taxes or withholding on your w2 for 2010 example 10000 gross income standard deduction 5700 exemption 3650 taxable income at 10% tax 70 federal tax withheld on w2 50 you owe $20 form4868 2 line 4 total tax liability $70 line 5 total tax payments $50 ( federal income tax withholding on w2)balance due $20