In 2002, I bought my first brand new car,a Saturn. No problems. Skip ahead about 3 years. I had been through a lot, including losing a job,getting behind on bills, etc. I finally found another job and moved. Anyway, my car's warranty was up and because of my $ difficulty I had no $ saved for repairs and needed a lower car payment. I decided to try to trade. I like Saturn at the time so I went the same kind of car dealer in my new town. BIG MISTAKE! I told them that I needed a lower car payment.  At first, they said there was nothing they could do for me because I had very little $ to put down and I was upside down on my note.I went back at a later date, and this time and they were having a sale.This time,they were able to do something for me.It started out fine, but my car payment was ALOT more and 17.9apr!They encouraged me to take the deal (but they deny it).I know now how dumb I was, but it was unethical of them to offer me such a deal and encourage it fully knowing my $ situation!
212547
Sorry dear, but whether they encouraged you or not, it was you who signed those papers and there is nothing you can do.  You have free will and no one forced your hand.  Yes, they may have been misleading and that is morally wrong, but from a legal standpoint, they did nothing wrong. When you signed the documents you should have been fully informed (by reading the entire documents thouroughly) and if you did not do so, you cannot blame the car dealership.  It sucks that you are stuck with this high interest rate, but you locked yourself into that one.  There is no legal action you can take since they did nothing to force your hand to sign those documents, you did that, not the dealership.  Just because you make a mistake doesnt mean you can blame the company for it.  It looks like you may just have to deal with it or sell the car and buy something cheap (with the cash).  It isn't wise to finance a vehicle when you  are having money problems, anyway.  A vehicle is not a good investment because the value only decreases, it never increases.  Looks like you got yourself in a mess that only you can get yourself out of, not the law.
585795
Machelle,\n\nI don't want you to take this the wrong way, but honey, you need to slow your roll.\n\nWatch your actions, they become habit.\nWatch your habits, they become character.\nWatch your character, it becomes destiny.\n\nYou filed for bankruptcy for a reason.  \n\nStop living beyond your means.  You didn't luck up on a car where you owe $10,000 MORE than the trade in value.  $567 a month is rent on a one-bedroom aparment in the South!\n\nThere is nothing shameful about leaving below your means.\n\nRefinancing is not an option in your situation.  You are upside down.  Why would a finance company want to pay your loan off at $23,500 when the value of the car is $10,000 less than the loan?  The collateral is inadequate.\n\nIf you don't pay the refinancer, they have a net loss of $10,000 when they repossess your car from your work place parking lot..\n\nI think you need to return the car to the dealer, take the hit on your credit report, and start riding the bus.  I can NOT believe that you filed for bankruptcy and thought it was cool to pay $567 for a gas-guzzling SUV after you discharged your debts..\n\nYou got the bruise, but didn't learn the lesson.\n\nYour credit is an extension of your character and it is time that you take inventory of your character.\n\nYou are NOT your car.  Who are you flossing for?\n\nGet a used Honda hooptie and make life easier for yourself.
445990
I'm sorry about your string of bad luck. Let's take these one by one.  Insurance should cover part of the cost of the stolen car.  As to ebay, how did you pay? Paypal is supposed to deal with this sort of thing, as is your credit card--not receiving the goods paid for constitutes a "billing error" and you can file a complaint with your credit card company, if you used one.  If you paid with a money order or check, then you should still notify ebay, but also contact the State or District Attorney or consumer protection agency where the car seller is located, as what the seller did can constitute criminal theft. as well as fraud.  The house is a different matter:  why did you go to settlement if you didn't want to?  Why did you sign a contract to buy that house if you didn't want it?  I think you might be stuck on that one, I don't see fraud there based just on what you wrote here.  Besides, even if you don't like the house , you got a valuable asset for your money, and you can always sell it later and make a profit.
605412
I'd try to return the car to the dealer\n\nand see with credit services if it hurts my credit
84469
You should contact whoever has your loan and work it out. Maybe they'll let you pay it in installments so you can catch up.  Don't ignore it or it may go into collection and your car might get repossesed.
560200
Contact any trucking company dealing with this and ask them if they are hiring for a driver or loading boy.  Maybe you would be lucky enough to get hired there.  Do you know why people build good credit?  So when they want to open their own business and don't have any down payment money their good credit vouches that they are dependable and can be accounted for.  If you don't have neither the money or the credit-who do you think will trust you even with one dollar? That is why they keep saying-pay your bills on time and never be late, you will need your good credit some day.   Well, apparently you thought that it was some kind of a joke ah!
435550
If it's too good to be true, it probably is" as the saying and you say.  \n\nYahoo! finance does not do this.  They state different companies do this, craigslist, ebay, google.  They are not a middleman.  \n\nWestern Union is your tip-off.  A person only has to have their name on the money and can pick it up.  They don't even have to show ID!    So if you send it to Yahoo!finance, care of Andrew Smith, he gets your money and there is no traceability.  Bye -bye money.  \n\nI would shut-off all contact immediately.  I played a game with an Andrew in the UK on craigslist about 6 months ago for a $40,000 car he was offering for $14000.  Same story as yours above.  I told him the only way I could pay him was with a certified cashiers check for $19000.  Use $2000 to cover shipping and I need to have the $3000 over that sent back to me.  I reversed the situation back on them as to what they were trying to do to me.  Never heard from him again, but I reported the e-mail address to yahoo at abuse@yahoo.com and to craigslist, who promptly removed the ad.\n\nAnd they can give you a tracking number easily.  "I have shipped the vehicle via Universal car shippers out of London.  Your tracking number is bs1423-34v-23fd-3432."  How do you know if that's real?  You are only going to check it when you don't get the merchandise.  \n\nContact a customer service person at Yahoo!finance and ask them if it's legit.
282003
he might stop in but your story sounds too much like a lie.  as for a credit score for a car it all depends on what year the car is.  what make and model. whats your job status.  how much you make.  its a bunch of factors.  you can have crap credit and get a nice car but your payments will be through the roof.  you can get a crappy kia with really bad credit but what you wont realise it that once you drive it off the lot it will be worthless and impossible to sell.  do some research
348231
1. Make a budget. I like to use an Excel spreadsheet for this, but you just need to know how much you are willing and able to spend per month including insurance, gas and maintenance (reserve at least $100 ea, $300 total for these per month - more for a gas guzzler or if you have a long commute).\n2.Make an appointment at a local bank or credit union to see how much of a loan you qualify for and see what the monthly payment will be.\n3.Do your research - check the internet for the best deals and reliability ratings, as well as insurance quotes.\n4.Contact the insurer of your choice. You will want to have your agent's name & number at the time of purchase.\n4.Find a reputable dealer. Check with your local better business bureau or get recommendations from a friend. Tell them exactly what you are looking for, but don't appear too eager. Tell them the budget you have set (minus the $300 for maintenance and insurance) and do NOT budge. I did this and it took a while but I stood firm and they finally found me something in my price range. Mine was $300/month, so this shouldn't have been hard, but they will try everything they can to get you to budge an extra $50/month. Stand your ground.\n5.Once you find the one you want, let them know the name and number of your agent. You will need to have insurance before you can drive it off the lot. At least where I live. They will deal with the plates and registration. This is included in the price.\n6.Now be sure to save $100/month for maintenance, even if you don't have any problems. Six months down the road you may have a $600 problem, so it all evens out. It shouuld include oil changes, etc.\n7.Get your oil changed every 5000 miles if it is a little older (before 2000). Every 10000 if it's a newer car. It's best to check your owner's manual for this. Do a 60,000 mile inspection, and get a tune-up once in a while and you'll be in great shape. I learned this the hard way. Maintenance is less costly than an emergency. \nGood luck!
159643
In 1998 mine was just shy of $20,000 after all the bills came in.  I had insurance.  Try bargaining for a cash discount.  Insurance companies get big discounts, never hurts to try.
571477
This is easy! Take the car back and tell them you expect a full refund. If the bank is changing the terms of the contract it is void. Meaning you never bought the car and all your money should refunded without question. Find a better dealership to deal with on your next vehicle. \n\nIn most cases if the dealership wants you to come back to do some bargining that means they had an error in their math and they short changed themselves. They want their money. This happen to my brother in law on and Audi TT. They screwed the numbers up and shorted themselves about $4000. He saw the error signed the papers and drove off. only to get a call 3 hours telling him he owed $4,000. He said sue me and hung up. They called him everyday politely asking if he would do the right thing and pay them the money and he refused. He told them all the years of getting screwed over by car dealers, it was nice to share in their joy of screwing people. I don't blame him.
659384
That's not a good FICO score, but (American) auto manufacturers are getting very desperate.  Who knows... someone at "the big 3" dealers may go for it.  Watch out for extreme interest rates though!
298424
NOT TRUE!  YOU NEED TO REGAIN YOUR CREDIT, BY BUYING A CAR AT A BUY HERE, PAY HERE. IT WILL HELP YOU RE-ESTABLISH YOUR CREDIT IN TIME, USUALLY A COUPLE YEARS. ALWAYS WHEN BANKRUPTCY HAS BEEN FILED, TECHNICOLY THEY CAN HOLD IT AGAINS YOU FOR 10 YRS.
545274
Do you have bad credit or just no credit history?  If it's the former your best bet would be to wait until your 'bad' credit drops off or is 'seasoned.'  If you just have no history - try and apply at Sears or local department stores.  Do NOT run up the cards!  Use them of course, but not more than what you can comfortably pay off in a month.  Once you have been paying on them for 12-24 months you should be able to get a car loan with your local bank.  If that is too long of time frame you may have to see a used car dealer that offers their own financing (BEWARE - the rates will be horrible and payments high for the quality of vehicle you get from such a place).\n\nAnother option would be to see if a friend or relative would be willing to lend you some money though this can cause serious problems if you fail to pay them back.\n\nGood Luck!
138105
You aren't providing enough facts.\n\n1. What reason do they give for wanting you to return the car?\n\n2. Are they offering any alternative to your returning the car?\n\n3. Does your purchase contract state anything that would lead you to believe that the dealer has a right to rescind/cancel the contract and demand the car's return? If so, what does it say?
465296
Sorry to here about your plight, the only thing i can think about is to bite the bullet and sell your car and get a much cheaper one.\nI know it's not much help hope things work out for you.
282362
I would recommend taking it to a dealer and seeing what you will get on a trade in for it. Take the money they give you and buy a 4 cylinder "beater" and take the remaining money and pay your bills. If you cannot afford to pay your house payment, you need to put it up for rent and move into an apt you can afford. Put the house up for sale while it is being rented out, that way you will not be responsible for something you cannot afford as the rent will make your house payment. Renters can pay their own utilities. That's the only thing I can think of. Or perhaps DEBT CONSOLIDATION would be a good option for you at this time.