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before i do this? the repo will be erased once i file bankruptcy right? any thing else i should know? i want to repo the car b/c its a piece of junk and i cant afford the payments anymore.

and sell it at an auction, can they still come after me for the difference of what is owed and what was gotten at auction, even if I filed bankruptcy against them?

I financed the car for 00. Now 00 is due to the bank (remaining balance, I had a car for about 6 months). Thepayment was due on April 1st, so they will repossess the car about May 1st. I couldnt negotiate my payments with the bank, they didn’t want to lower the interest. Can i sell my car to my neighbor for about 00 and the rest of the money (00) will go to the collection department because repossession is sooo bad?? I stopped paying my credit cards about 3 months ago and own about 30 K in debt. I am going to file for bankruptcy. I don’t have any real estate.

What options do I have>?? Please help me!

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.

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