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Ok, here is the deal. I was stupid and young and let myself get talked into buying a neon 4 yrs ago. The car is having some major issues with the transmission and the repair costs more than I can afford. The warranty has expired and I owe more than it’s worth(duh). I can’t get approved for a car because my credit is bad and the car adds about 5,000 onto the potential loan. I have some other debt I accrued while I was unemployed and couldn’t pay my bills and I am thinking about filing bankruptcy. I understand that if I file bankruptcy they might not include the car because I owe way more than it is worth. So the question is do I let them re-po it first and then file bankruptcy and if so do both show up on the credit report? Help! And thanks in advance to all of you that give serious answers.

Does the dealer ask if you want to get it checked out or do you have to inquire? Also is there a certain time to get it checked out before the purchase? Its my first time purchasing a used car and I don’t want to look stupid at the dealership. Thanks for the help.

I can’t pay for it, and my ex isn’t paying anymore. whenever i try to get money he flips out. i even have police reports from him threatening to kill me. It was stupid to sign for it, i know that, and i’m completely willing to accept the consequences of that. I’ve tried to sell it, but no one will buy it since the loan isn’t paid off so i don’t have the title. i’ve asked Chrysler for voluntary repossesion twice (in april and september) but they refuse. i’ve told them i’m not paying, but they are holding out either to ruin my credit even more, or because they think i will pay. I’ve asked them to reposses, i know they’ll sell the car at auction and i’ll have to come up with the rest somehow and i know that. i just want them to take it so i can start repairing my credit and i won’t have to have any contact with my crazy ex anymore. So is there any way i can force them to reposses?

Okay so i got a car threw a auto place and i really shouldn’t of because i was young and stupid. but i had to make payments of 193 every two weeks. i was doing good for about a year then i lost my job. i was behind about two – three months. I went to go join the army. i drove my car to san diego because y dad was going to catch up my payments then watch the car when i was gone. so i joined the service and i wasn’t making payments because i didn’t get paid for two months and my dad refused to make more payments on the car for me. so i called the company and told them that i could paid them 1000 dollars when i get paid i finally got paid and i did pay them 1000 dollars i was still behind 600 dollars and i told them that i would get paid again in 2 weeks. the said that we really need the money i told them that’s all i could do they went ahead and repossessed the car. after i paid them 1000 dollars. and i was in active duty what can i do because they are mailing me and calling me saying i still owe them almost 10,000 dollars and there saying there going to take my taxes and garnish my wages. i need advice i need help. i never been in this situation before. i can’t afford to take those cuts. can i dispute it?