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13th June 2011
Any help is appreciated.
I cant afford my monthly payment and am behind 00.00. My dealership says they can get me a car loan on a less expensive used car with a co-signer and then to have my current vehicle repossessed. They said once I start making regular payments on the new auto loan, then my credit will bounce right back beyond the repo. Is this true? Is this something I should look into doing or is it a dumb idea? My current vehicle is a 2005 Dodge Neon and they dont make them anymore so the trade in value (even with my car in perfect condtion) is only 1/2 of what I still owe on it. What are your thoughts? Serious answers only please. Also if you have had this happen to you, please tell me your story. Thanks!!
My car is financed through Citi Financial Auto and my monthly payment is 4.10 incase that helps you answer. I’m wondering if I could refinance my car loan. Maybe that would get me a lower payment (even if a few dollars) and stop the reposession??