I Am 71 Days Behind on My Car Payment. I Am On Unemployment. – 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 back about some jobs they submitted me for. Meanwhile, I am unable to pay anything on the car until December 18th.. I was told that if I don’t pay by 15th my car would be sent to repossession. I need the car to go to work if they tell me I got one of the assignments. I have no relatives that can help me, and a son to raise. I never missed a payment until October…What to do? Thanks!

How to stop repossession on my car.


Dear Pamela,

I wish I had a magic wand to wave for you, I would definitely make this all better.

Here are a couple of last ditch places to turn for cash if you are in a real pinch with no place to turn. None of these options are great alternatives and all have serious consequences so be careful.

  1. Cash Advance – Take a cash advance on your credit card for the car payment or better yet, see if the lender will take a credit card payment.
  2. Pawn Stuff – Take stuff you have of value to a pawn shop and get some cash for it to make your payment.
  3. Payday Loan – Take out a payday loan to bridge the gap between the due date your first paycheck.
  4. Sell Stuff on eBay or Craigslist – Consider selling some of your things on places like eBay or Craigslist. This option is certainly not as big of a risk as the ones above.
  5. File Bankruptcy – Bankruptcy can temporarily stop the repossession of your car and hopefully you’ve landed steady temp work by the time your case comes up and then your bankruptcy lawyer can work out a deal with the auto finance company. I’d suggest that you use this link to get a free bankruptcy consultation to explore this option further.

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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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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12 thoughts on “I Am 71 Days Behind on My Car Payment. I Am On Unemployment. – Pamela”

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  2. If your vehicle was repossessed and sold, the bank or finance company may have sold its right to claim the resulting deficiency to a debt collector. The “deficiency” is the amount still owing on the conditional sale contract after the vehicle sale proceeds were applied. If you did not voluntarily pay that deficiency, the debt collector may decide to file a lawsuit to collect it.
    Appearing and defending in court can be intimidating to most consumers, even if they know they have a defense.

    Because very few consumers ever appear in court, most of these deficiency lawsuits result in default judgments for the debt collectors. Then, once debt collectors obtain a judgment–even if the lawsuit was barred by the statute of limitations–they can garnish wages or lien property to get their judgments paid. At that point, there is little or nothing the consumer can do.

    If you are sued by a debt collector for a deficiency, look carefully at the grounds for its deficiency claim. if you have questions, we may be able to help you.

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  3. Homelessness in North Wales is on the increase and a majority of these could include the estimated 5,000 repossessions in Wales. Although there is a mortgage rescue scheme available, this sadly only had funding to help an estimated 150 households. One way of being able to remain in your home is by selling and renting back, as long as you choose an ethical company this can be one way of being able to prevent a reposession.

  4. NEVER go to a Payday loan, EVER!!

    She’ll need a bigger shovel to dig herself out. All these IF’s aren’t going to get her out of the hole. She’s in deep doo-doo, selling something is the best option, try working something with the bank. Bankruptcy maybe your last option.

  5. why would you suggest a padyday loan, this will only put her in more debt. payday loan’s are to expenses to repay back.

    • I’m not a fan of payday loans in general but if you can’t get credit anyplace else and you need a short-term loan that you can pay back in a short period of time, it can be a way to get access to money.

      If she does not make a car payment she might lose it and without a car she probably won’t be able to work. Besides, if you calculate out the cost of a credit card cash advance, they can be much more expensive than a payday loan. It all depends on the individual situation.


      • I do not know a thing about this company ( autopaymentassistance.com ), but that last post reminds of a book I read some years ago, By Harvey McKay called “BEWARE THE NAKED MAN WHO OFFERS YOU THE SHIRT OFF HIS BACK”.


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