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FAT KAT | Im behind in my car payment should i give it back and? |
buy this car i can get around in from my friend that i work with and have a my money so i can really live or should i try to catch up my car note that will take a while or pay $600 for this other car please help i don't know what to do |
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Jeremy O
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Well getting rid of the car ,gets rid of the payment ,but not the problem. If it is repoed it will stay on your credit report for a while which can hurt your chances at more than just another car. But on the flip side if you keep the car you will have to struggle for a little while to keep it up and that will only make you a stronger person for getting past it if you think you could. Maybe this is a chance for you to look at where your life is headed and try to make some changes in your choice of work or how you handle your finances. What ever you do, hold your head up high and take responsibility for whatever you decide and don't blame others for your problems, because you wouldn't blame them for your good decisions, we all know that's all you. God luck!! |
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ladybug
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Keep the car you have. You canuse the $600 you are going to give your friend and put that on the car you already have. Make arrangements w/ the bank or finance co. You should budget your money. You can rid yourself of unecessary expenses. |
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Dr Dee
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better pay off |
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dc3886
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If you give that car back its as bad as it being repossessed and your credit will reflect it for the next 7 years. I would just pay down the car and maybe if you don't like it see if you can trade it in for something with a lower payment. |
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cindos_69
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if i were you i'd keep the car you currently have. just pay what you can on it. it's better to pay what you can afford than to not pay anything at all. if you let it go, it will ruin your credit and it'll take a long time to build back up. |
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acmeraven
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Only you know your financial picture. If you rate of pay will enable you to catch up the payments and stay current then do so. Do the math and if you are going to never be ahead then give the car back to the lending agency. Buy a clunker for transportation and save some money up for a brighter future. |
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garyccoulter
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Call the bank that you have the loan with and tell them your situation. Sometimes they might be able to help. |
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shorty82
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i wouldn't give it back |
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baseballmommy
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keep what you have and pay for it, your credit will suck if you let it go back. |
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coco_la
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i was n a situation like u & i gave the car back. i recieved a letter stating that i still owed 7 thou for a car i didn't have. so i started making small payments for about 5 mths. then i recieved a check n the mail as a rebate for the 5 mths that i had paid. several mths later, there was a class action suit & i received a check and was told the case was closed & i didn't owe anything. if you can, keep the car & try to catch up with your payments. call the company & i am sure they will work with u. |
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carolewkelly
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If you return the car, you are still responsible for paying the difference between what you owe and its current value.
Sell the car only if you can get enough from the sale to pay off your loan.
Trade the car in on a less expensive one; perhaps the payments will be easier to handle.
If you live in an area with good mass transit, perhaps you can delete a car from your life temporarily.
There is much to consider and only you know the situation, but try not to make this something that ruins your credit rating. |
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cristanine
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Most Blacks do give them back I wonder why!@ |
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