Before kids i was young and irresponsible. I aquired a lot of debt and pd most of it off. but in 2006 I got a loan with capital one auto finance to buy a car and did not pay any attention i had no idea to what i was doing. Until yesterday I just left it at a bad decision. I inquired on my payoff which was 8208.00 and realized about six months ago it was 8500.00 i started to research and got angry at myself more and more I have paid 16000.00 so far the begining loan was 16561.00 with 12.77% interest on a 75 month pay off. I found out that the 3000.00 trade in and 2800.00 down payment did not go to the loan like I was told it was. I have also put 15000.00 in repair work and it is constantly having problems. I have researched every option and have gotten nowhere I need help otherwise I will be paying for this car for 5 more years at the way it is going.
How do I get out of this horrible train wreck? Do I have any hope?
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