Bad credit / car loan / co signer?

Ok, well I dont have the best of credit because of all my student loans and what not. and because I have never had a financed car ( bought with cash from my dad) I have no proof that I can make payments ( I make 400 $ a week ) why do I need a co signer?...

... I have only been at my job since January, but that was b/c it took me 8 months to find a job after I finished school? how is the economy my fault? .. my mom and dad both refuse to co sign ( dad b/c of personal issues with bills from my step mother ) and mom ... just b/c shes selfish like that. The payment is 200 a month, thats 50 a week., Come on now I can do that 100 %!!!... but because of my student loans on my credit , an unpaid cell phone bill from T mobile *that I refuse to pay b/c it had all kinds of out of state and country #'s I've never heard of... they wouldnt fix it , so I refuse to pay it-simple as that-* because I have not been established at my job long enough. I dont know what to do. my car is ready to take a crap on me anyday and have noone to help with co signing?,..ughh

Unfortunately you, yourself, have created a negative track record - you can't just 'refuse to pay' and expect to be looked upon favorably - The Plan: 1) work to repair credit 2) seek other transportation - maybe you wouldn't need a co-signer on a scooter...I wish you the best !!

After the fiasco with all the banks making home loans to people who shouldn't have had them, and sending credit cards out to every Tom, Dick and Sherene...they've gone back to the old standards of good credit scores and long term employment(that's not saying you can get a loan with good credit scores and long term employment, either...they're hanging on to their money). The banks already have enough bad loans out there to break the whole country...so there is no such thing as an easy loan any longer.

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yeah , lol skooter might not work so well . I drive an hour to work and an hour home... see I'm telling you.. this is why it took me 8 months to even find a job after college. It was the closest thing available and its still far as heck . frustrating.

FILED CHAPTER 7. I FILED ABOUT 4YRS AGO AND MAKING PAYMENTS OF $500 A MONTH.THIS WILL SOON BE PAID OFF. I NEED A CAR AND WOULD LIKE TO GET ONE AS SOON AS THIS IS PAID OFF. WHO WILL LOAN ME THE MONEY FOR A CAR?