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We’re supposed to make a payment of 0 but can only afford a smaller payment… (The car is collateral for a loan we took out to pay off our older bills.)
Okay, please listen before making sarcastic comments. You don’t know my whole story and I am not going to go through the entire thing either (it is a book). I have fallen upon poor health issues and had brain surgery awhile back. I have not been able to work. I had a loan that I took out to help pay on some medical bills (I still have more out there that the insurance did not pay). I was making my payments every month and on time.
I got behind due to the lack of money and stuff. I have a child that come first. Well, anyway, my mother was a co-signer on my loan (I gave her some of the money to help her out on her bills too – long story). The car is in my name, but the place I have the loan through has the title to my car as collateral. So, now I believe they are just going to come and repo my car. How will this affect my mother? I mean will they go after her first or can I just let them have my car? She knows of the situation and does not want me to get my car repossessed, but I have no choice because I don’t have the money to pay on the loan for awhile. I even may have to file bankruptcy due to my medical bills that were not covered by insurance. They are that bad. I was trying to keep up with all payments but some of them will not accept payments and continually harrass me and tell me that my payments (doctor bills) are not good enough.
Any good advice would be appreciated, please no sarcastic comments.
my car was repossessed why will i still owe the balance?
7th December 2009
i was told that i would still be liable for the balance of whatever difference the finance company sold the car for against the amount of the outstanding loan. when applying for this loan they used the car as collateral. with them repossessing the car that should end my contract with them. please advise i live in canada and not the usa