What do I do when my car payments are too much for me to pay right now due to other living expenses?

I recently started back going to school so I work less hours. My check is a lot less than before. I have a 2006 Nissan Sentra. My car payment takes my whole check sometimes and I don%26#039;t have money left to pay the whole thing or other bills. What can I do other than letting the car get repo%26#039;d which would mess my credit up allowing me a less greater chance of getting another car. I would like a used car with lower payments. I really don%26#039;t want to re-finance which would give me more years to pay on it. Please help. These payments are really costing me a lot.

What do I do when my car payments are too much for me to pay right now due to other living expenses?

Get someone to buy the car %26amp; take over payments or trade in for a less model but you must get a % RATE that is fair to you do not feel that you must take a high rate with more months too pay just to get a lower pymnt .Youve taken the steps to get what you want in the future by gng 2 school keep making the right moves.Good luck

What do I do when my car payments are too much for me to pay right now due to other living expenses?

Trying to live rich on a poor mans salary huh?

What do I do when my car payments are too much for me to pay right now due to other living expenses?

Offer to sell it back to the dealer. You%26#039;ll take a loss, but it won%26#039;t ruin your credit. Just one of the consequences of the choice you made, honey.

What do I do when my car payments are too much for me to pay right now due to other living expenses?

you probably already know the answer,%26quot;sell your car.%26quot;

What do I do when my car payments are too much for me to pay right now due to other living expenses?

There%26#039;s no magic formula here. You can stop paying for the car, refinance, or sell the car. Your worst option is to stop paying for the car. You%26#039;d lose the car and your credit.

Call the bank or whatever you have the loan through and tell them your situation. I%26#039;m sure they get it all the time. They might be able to work something out with you.

What do I do when my car payments are too much for me to pay right now due to other living expenses?

You need to either refinance to reduce the monthly payment , or see if you can arrange a temporary adjustment, or sell the car and pay the loan off. Hopefully the car is worth more than the loan .

What do I do when my car payments are too much for me to pay right now due to other living expenses?

Best thing you can do since your not interested in re- financing is to go to a used car lot and sell the one you have but make sure they give you a good deal cause there gonna turn and sell that car for more than you get back if you have to call up a few dealers around the area. You can do a trade and have no payments or very little but about the bills can%26#039;t help you there lol

have a great day and good luck

What do I do when my car payments are too much for me to pay right now due to other living expenses?

it sux but the bank has you over a barrel.

Just think if you want to be wealthy or if you want to be average. Most millionaires have declared bankruptcy at least once. Do what you need to do to get yourself to the next level. Don%26#039;t let a credit report affect you.

Credit scores are important but so is finishing school. Would you rather pay the bank and have no education or screw the bank and get your education and then get a good job so the blemish of a repo on your credit report is insignificant?

the most important bills are dealing with food and shelter- anything else is insignificant. we are talking about survival here.

Take care of you first. Take a chance on yourself-

1. Call the bank and tell them where they can pick up the car and buy a good used car with absolutely no sex appeal

2. When they auction the car, get the deficit

3. Get on a payment plan to pay off the deficit and make the payments so you do not have a charge off.

4. Pay all your other bills on time for the next 12 months and it will be like the repo never happened, then - Get your education and fight another day.

What do I do when my car payments are too much for me to pay right now due to other living expenses?

Who created this situation? You did. You bought the car and agreed to the payments, then decided to go to school, cut your work hours, and now you want out of your car deal. I applaud you for going to school, but you obviously are not taking your previous obligations seriously. There is no easy way out of this. No matter what you do, it%26#039;s going to cost you money out of your pocket.