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Newest Member: Mercedes66 (46046)

User Topic: Need Some Advice
idkam
♀ 18375
Member # 18375
Default  Posted: 7:53 AM, July 31st (Thursday), 2014View ProfileEdit MessagePrivate MessageHomepage

I'm running out of options with this vehicle, my friend thinks i should turn it in and take the hit on my credit... I really don't want to go that route....
What say you....

BTW.....Friday i will be going to CarMax but i"m not feeling positive about it....


People come into your life for a Reason, Season or a Lifetime..
Divorced

Posts: 1817 | Registered: Feb 2008 | From: Texas
Amazonia
♀ 32810
Member # 32810
Default  Posted: 8:31 AM, July 31st (Thursday), 2014View ProfileEdit MessagePrivate MessageHomepage

what happened to taking a loan off your 401k?


"You yourself deserve your love and affection as much as anybody in the universe." -Buddha
"Let's face it, life is a crap shoot." -Sad in AZ

Posts: 13934 | Registered: Jul 2011
idkam
♀ 18375
Member # 18375
Default  Posted: 11:59 AM, July 31st (Thursday), 2014View ProfileEdit MessagePrivate MessageHomepage

Ama.....I got the money from my 401K but my car is $14000 upside down - 4000( my downpayment) = $10000 no bank is going to eat that money....turning the car in is not an option i want to take because even if i did it that way i would still owe the difference in what the bank sells it for and the remaining balance...

I might as well bite the bullet for now and pay it...


People come into your life for a Reason, Season or a Lifetime..
Divorced

Posts: 1817 | Registered: Feb 2008 | From: Texas
norabird
♀ 42092
Member # 42092
Default  Posted: 12:07 PM, July 31st (Thursday), 2014View ProfileEdit MessagePrivate MessageHomepage

It might be that paying what you owe after it's sold and buying a used car might still put you ahead in the long run. Do you know what it might go for?


Sit. Feast on your life.

Posts: 4235 | Registered: Jan 2014 | From: NYC
GonnaGetThru
♀ 38817
Member # 38817
Default  Posted: 5:47 PM, July 31st (Thursday), 2014View ProfileEdit MessagePrivate MessageHomepage

You may have some luck with CarMax. We traded our old car in with them. We owed quite a bit but they rolled into the new loan. Our interest rate is about half what it was. Our payment is slightly higher with the newer car but now we have a six year extended warranty, which was worth it for me. It would be lower without it. They told us too that if we ever had some extra cash down the road and wanted to refinance, it's no problem. Don't know if any of this is helpful but fingers crossed for you :)


BW (me): 30
WH (him): 31
Taking R one day at a time

"Every decision you make indicates what you believe you are worth."


Posts: 116 | Registered: Mar 2013 | From: North Carolina
wifehad5
♂ 15162
Member # 15162
Default  Posted: 6:02 PM, July 31st (Thursday), 2014View ProfileEdit MessagePrivate MessageHomepage

How old is the car? How much do you still owe? What's your payment?


FBH - 42
FWW - 43 (BrokenRoad)
2 kids 7&12

The people you do your life with shape the life you live


Posts: 37893 | Registered: Jun 2007 | From: Michigan
Topic Posts: 6

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