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I Can’t Afford My Car Payments Anymore. Should I Give the Car Back? – Jon

Written by Steve Rhode

“Dear Steve,

Bought a used car when working, now no longer working and can barely make car payments.

While I was working I could afford to make a close to $300 car payment. Now I’m no longer working and I really need to unload this car even though as much as I love the little car, Due to credit card bills, I simply cannot continue making the payments on it. So far I’m not behind one payment and trying to keep it that way.

I cringe to the though of a voluntary repo but it just may be my last option since where I live there is little to no work here. I have been looking as far away as 50 miles for work but to no avail.

What to do?


Dear Jon,

You said, “due to credit card bills.” How much do you pay each month in credit card payments?

Let me know a bit more about your other debts, please.

Please post your responses and follow-up messages to me on this in the comments section below.


You are not alone. I'm here to help. There is no need to suffer in silence. We can get through this. Tomorrow can be better than today. Don't give up.

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About the author

Steve Rhode

Steve Rhode is the Get Out of Debt Guy and has been helping good people with bad debt problems since 1994. You can learn more about Steve, here.

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