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Ok…. So I am financing a 2002 Chrysler Concorde LX. I have only had it since February. Two days ago on the way to the beach out of no where my car makes this sound like rock in a coffee can being shook around violently, I was gonna pull over but I was in a bend and a cliff was on my side (If you been to Oregon you know what I mean). So I got around the bend going about 30 at the fastest as my car was violently shaking and a split second later the engine light came on, oil spilled out and a thick black cloud of smoke was flowing out from under the hood then I go uncontrollably into a shallow ditch. I had to spend 0 to get it towed 21 miles cuz it was 0 hookup fee plus a mile and an off hour/ weekend fee to go 20 miles into the nearest town (Very small town with one tow company). I was gonna have my car towed to home, about 150 miles from home, but that would have cost over 0. So I rented a U-Haul and car trailer for 5 and did it my self. Our jobs have recently gone south so that money was for our insurance and car payment ( When we bought car we had GREAT good steady and long lasting jobs we thought). So now I have no money for insurance or car payment. I would just cancel my insurance and leave it in my garage, but since I am financing it that is illegal and I don’t go that way. The car financing place said I could do a voluntary repossession where they fix it and auction to try and pay for what is left on my loan, or I pay what they didn’t get. Basically I need to know what should I do? I was told to just fix it up, but I can’t fix it nor can I pay the payments on it…. Any suggestions??

Chrysler came and took my car from my place of employment friday (4 in the morning). i called and they told me i would have to pay about 0 in repossesion fees. that they would need proof of employment on me and my dad(they have my dads info on file) but im unable to get them my dads info since he is outta town 4 almost 2 weeks. but my mom is able to get me the $$ to get my car back. so here are my questions. Don’t they have to notify me of repossesion? they told me they sent me a notice a cpl months ago, and they are valid for 6 months. but i only owe for april and well now may. so how can they say they sent a notice if i got cought up?
but i was told they are doing this since i wouldnt answer my phone when they called. Im In minnesota if that means anything. im getting the $$ tomorrow(tuesday) to hopefully get the car on wed. any advice or knoledge would be great. thanks!
they have all of my dads info on file(he is the main person on the loan) why do i have to get it again if they have it, he hasent changed jobs. what are the chances i just offer them the money and they give me the car back? what if we offer them 1,000 instead of the 800 i owe?
i called chrysler and have faxed them all my info they needed. they said once they got the info and the money i could get my car back, well i got the $$ in my account now, but cant pay them till am

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