toyota credit questions

[SpaceShot]

Try the dealer first, then if no luck try to Craigslist it and see if you can get within a grand or two of what you owe.
You can slowly pay that remainder off $50 at a time if you have to. It's painful to pay and not enjoy it, but you don't want to hurt your chances for the future if you can avoid it.

In general, for any of your bills, if you can't eliminate them, don't ignore them, put as little as $20/mo in, and let the remainder pile up. So long as you make some effort to pay, state laws can protect you to some extent. It's when you make no payments at all that you do the most damage.

If you do have to give up your ride, GoLoco.com services the Durham/Rochester area and you can carpool and get other rides to Portsmouth or where ever for just a little gas money.

Some graduating student might be interested for nearly full price. PM me, and I'll get it in the university classifieds if you want.

Good Luck...

[TinyGiant]

Originally Posted by SpaceShot

Try the dealer first, then if no luck try to Craigslist it and see if you can get within a grand or two of what you owe.
You can slowly pay that remainder off $50 at a time if you have to. It's painful to pay and not enjoy it, but you don't want to hurt your chances for the future if you can avoid it.

In general, for any of your bills, if you can't eliminate them, don't ignore them, put as little as $20/mo in, and let the remainder pile up. So long as you make some effort to pay, state laws can protect you to some extent. It's when you make no payments at all that you do the most damage.

If you do have to give up your ride, GoLoco.com services the Durham/Rochester area and you can carpool and get other rides to Portsmouth or where ever for just a little gas money.

Some graduating student might be interested for nearly full price. PM me, and I'll get it in the university classifieds if you want.

Good Luck...

i've had all my bills covered except for the car since the issue and the house.

iwas able to scrape together enough to only be one payment behind on the mortgage.

so instead of owing 3200 plus 1550 i now only owe 1600 plus 1500

and the payment is due at the end of the month since i made the last a couple weeks back.

thanks to Chinocharles my guitar amp is sold.. so that will get me about a 3rd the way to a mortgage payment.

as soon as i am on top of the mortgage i can apply for the obama plan that can possible cut my mortgage in half (since they cant charge me more than 33% of my income) we took a big income hit. so they should do something.

so there is light at the end of the tunnel .. just dont like the route i need to take to get there