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Tag Archives: car payment

Santander Consumer USA Says My Car Payment is Late and I Say It’s Not. – Kelly

Car Payment

“Dear Steve, I live in Colorado and I have a car loan with Santander Consumer USA. My payment due date is the 15th of every month. Over the past 2 years I have been paying this loan 2 or 3 weeks late. There have even been quite a few times when I paid the note on the 14th of the ... Read More »

I Purchased a Lexus But Can’t Afford It. What Should I Do? – Lex


“Dear Steve, Purchased a car ( Lexus ) 4 years ago. I paid payments for 2 years and got behind on payments. The dealership ( finance company) Would not work with me on catching up my payments. I have been told me only option is to give the car up ( and it goes into auction and they will come ... Read More »

I Filed Bankruptcy But Can’t Afford My New Car Payment. – Tarsha


“Dear Steve, I filed chapter 7 last year and instead of my situation getting better, its getting worse. I financed a car through a company name first investors and in the beginning of the loan I was keeping up with the payments. But, due to a decline in my yearly salary the note is killing me. I pay far to ... Read More »

What Happens to My Credit if I Make a Partial Car Payment? – Nicole


“Dear Steve, Just a curious consumer. I have paid partial payments on a car loan and I wondered what will reflect on my credit report. If I paid a partial payment on my loan can the loan company still report me as late on my credit report?also I was wondering if hypathetically I was say 28 days late on a ... Read More »

What Can I Do About My Car I Can’t Afford Anymore? – Jared


“Dear Steve, About a year ago I had a great job selling life insurance making a lot of money(to me at least), wrecked my old car, so I needed to buy a new car. After awhile of thinking I had come to the conclusion that for my job I needed a nice car (for appearance purposes) and since I could ... Read More »

I’m Living With My Ex-Boyfriend and Can’t Afford to Move Out. – Kelly


“Dear Steve, My name is Kelly and I’m in a bit of a pickle. I have a car loan with the remaining balance of $28,417.00, I make $652.59 payments every month. I’m trying to look for my own place, bec I currently live with my ex-boyfriend. But in order for me to be able to afford a place of my ... Read More »

Two Months Late on Car Payment But Want to Avoid Repo. – Linda


“Dear Steve, I am two months late on my car payment, and I can’t afford to pay it. I have done refinanced the car last year so they won’t be able to do it again. I just deferred two payments back about 3 months ago, so trying to defer a payment is out of the question. I don’t know what ... Read More »

When You Can’t Make Your Vehicle Payments


If you find yourself unable to make your vehicle payments, you’ll want to act quickly. In most states, if you miss a payment, whether you have bought or leased the vehicle, the lender has the right to repossess it almost immediately. Here are some strategies to consider when your vehicle payments become too much, including what to do if it ... Read More »

We’ve Already Deferred Two Loan Payments But That’s Not Enough. What Can We Do? – Kathe


“Dear Steve, We are in our 50s. We’d been doing well and racked up some serious debt. Ashamed to say how much but … over 70,000. This includes credit cards and loans. Not including our home. Last month I lost my job and have been looking (yes, looking hard!) but have not found anything as yet. We have already deferred ... Read More »

Need My Car and 3 Months Behind. What Can I Do? – Rita


“Dear Steve, My husband has been unemployeed and I work full time. We had to move out of last home due to toxic mold. I am 3 months behind in car payments and they want to take my car. It is the only way i can get to work to get groceries for my kids and money to pay some ... Read More »

Should I Let the Loan Company Take the Truck? – Cindy


“Dear Steve, The car loan company was going to work with me but faxed by papers on a Saturday (last day of the month) when I was not at work so they say they can’t help me now. My husband is out of work. Should I let them take the truck back? I will then owe the difference because the ... Read More »

Would it be Wise to Pull the Cash Out of the 401k and Pay Towards Our Debt? – Brandy


Brandy “Dear Steve, I am 30 and my husband is 40.We have 27,000 in his 401k (we have lost almost 10,000). We dont have much as far as credit cards but we are drowing in a house payment, 2 Vehicle payments (1300 per month) and a payment on a rental property that we are unable to rent out. We owe ... Read More »

“I Have Three Degrees But I’m Broke And Miserable”


Theresa “Dear Steve, I have $75,000 in school loans and I have one job bringing in $360 per week after taxes and another job where I make $150 per week after taxes. My car payment is $251, rent is $600, utilities are $130, Food is $80, and water is $45. I have a 401(k) with $6,000. Help me. I feel ... Read More »

Kayte Has Drained Her Savings And Can’t Pay The Bills Anymore


Kayte “Dear Steve, My husband and I have roughly $75,000 in credit card debt. Due to the economy, we both have experienced a substantial decrease in our income (i.e., commission based pay). We have exhausted our savings trying to keep up with our mortgage payment, credit card payments, car payments and other cost. We are now at a point where ... Read More »

I Am 71 Days Behind on My Car Payment. I Am On Unemployment. – Pamela


Pamela “Dear Steve, I am 71 days behind on car payment. I am on unemployment. I was in a car accident back in January and hopefully will be settling soon. I was released from doctors care October 12th. I have been seeking a new job since July. I finally signed up with some temp agencies and currently waiting to hear ... Read More »

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