This might be my last post :(

[My Hemi]

Well i might be losing the Mag i am hitting it pretty hard right now some of you might know what has been happening in my life the last few months...I moved into my own place now and im having trouble affording the car i need o make sure i have at least a roof over my head thats the most important thing right now...I tried trading in the car they want to give me $20,000 can you believe that my car is in near perfect shape...And the problem is i owe $40.000 0n it due to putting my leased RT difference on the car..I have no idea what to do im very upset right now i missed 2 payments i think here going to repo it or i can give it back myself..i really dont want to i still will have to come up with the difference of $20.000 what can i do....i need some advice...thanks

[blackmagnum06]

Sorry To Hear That..maybe You Can Get A Second Job Just To Make Ends Meet Meanwhile You Get Back On Track

Goodluck To You

[CoolVanilla]

Call up finance company right now. Talk with them, and tell them everything you've just told us. Don't wait for them to come after you.

[GasGunR]

Yep what CV said... and then take the advice on the second job, sounds like you need it.

Next stop modding the car till you pay it down ALOT... you are double upside down on the car, that's a ton and its going to take like double payments for a long time to get out of it.

You've got a hard road to hoe, but you can do it if you really want to.

Good luck!

[Ultimatecarman45]

Ditto exactly what CoolVanilla said. Get ahead of the game, and they most likely will be able to help you keep it all.

[pimp mobile]

yeah what cv said and rk too.

[Titanium R/T]

It might be time to De-mod the car .. go back to stock and sell the Mods.

[My Hemi]

Thanks guys i really dont have that many mods to de-mod anyways i tried re-fiancing they lowered the payment down by $20 dollars thats isnt going to help let me tell you they are nasty people too they dont seem to want to help but there quick to want my car back yeah so they can keep it tell me they sold it for nothing and i still will owe alot of money on it ....I pay 750 month right now thats just to much for me i cant catch up...i wish i could but i cant i really feel like a loser right now that i cant even pay for my car....

[crhemi]

I'm sure you can sell it yourself for more than $20K. Have you even tried?

[Bornagainultimatum]

Call them and propose giving you a couple of months deferment until you can get back on your feet (second job, etc.). But most of all, pray. Prayer changes things. Consider that the finance company can add the missed payments to the back end of the loan. That may give you some breathing room. Contact a credit counseling service. They can sometimes negotiate with creditors to lower payments or get payments deferred. Usually you can keep your car if you need it to get to work. As a last resort, contact an attorney who can tell you waht legal options may be available. I pray that God will deliver you from this unpleasant situation and heal your finances, in the mighty and matchless name of Jesus Christ.

[DAYTONA3949]

Let it go man. You have to much load on you. You can get other one later. One black mark on your credit is not going to kill you. You can always get other ride!! Probably a good used SRT8 for half want you are paying now!!

[PappaDoc]

^^^ DITTO The Prayer ^^^

I pray wisdom for you in Jesus Name!

[obiwan]

Problem with a repo, they sell it at wholesale auction for what ever it goes for and you are on the hook for the difference. If you owe $40K and they sell it for $15K you owe them $25K and they will and can file suit, attach your wages etc.

[Hemi31]

Sell it G....sell it for what you can and pay off the rest as you can.

[CaseyC]

sorry to hear about your situation man. all the advice given so far has been excellent. definitely get in touch with credit counseling assistance to see how you can get the debt down and taken care of, if at the moment you can even physically afford to keep the car in any way. if you cant, even with a second job or getting the debt reduced to a single payment, you may have to sell it privately and then take out a smaller loan to make up the difference on what you still owe. its not going to be an SRT8, but there is always time later for that.

even though you may not want to do it, taking on a second job might be the next best option. even if its just weekends or something, a weekends worth of work at a best buy or circuit city, verizon store, lowes, even being a parts driver, is an extra $150+ a weekend maybe. i know it hurts your pride a bit to be in this situation, but it will sting worse and will be overall worse if you let it go and go and eventually it gets taken from you. be proactive man. good luck.