Damn dude, you fxxxed up your credit for a mere $300 car payment. A gas station job for a couple of months would have fixed it. Yet, you chose otherwise. Not that I judging you, but its ridiculous from my point of view. Anyways, you can negotiate with your creditor about payment options. Tell them you wanna pay ... amount but you want it totally removed from your credit history (not as paid in full) but as it never happened. IF you can't settle with the creditor, dispute with the credit bureau. Good luck!!!

furke · Feb 18, 2016 12:36 AM

"Not that I judging you" goes on to judge the dude.

BadhiJanne · Feb 18, 2016 8:15 AM

Thanks, Furke and BadhiJanne for your reply. Furke, do you think it would be better to hire a consumer protection lawyer to help me out with my options? BadhiJanne, what is your opinion on hiring a lawyer or how to go about in in my situation? Dhanyabad.

Nepal182319 · Feb 18, 2016 10:52 AM

See now you gonna spend more money hiring the lawyer..what was the full cost of the vehicle? They will or already have send you the notice that they will sale your vehicle at auction. You can go there buy back your vehicle or just wait for it to get sold. Whatever the difference is from the sale and original amount, you will be billed for that.

Jahbless · Feb 18, 2016 12:43 PM

So they were lenient, gave u two months and u still couldnt find a job? How r u planning to pay for ur lawyer if u cant even pay 300 a month. Just wondering. If i were u I would put all my effort on finding a job and pay that off. Work with them, am sure they will reconsider fight with them? U r screwed bigtime.

bittertruth · Feb 18, 2016 3:09 PM

First thing is did you save the invoice or any documentation regarding the purchase of the car? Do you have any documents on the payment you made to finance? Right there you'll have an idea of what you're payoff amount is. Ask for proof of charge regarding the repo. They have to provide that to you. Then you can do the math and negotiate/work with credit bureau about paying the corrected/reasonable amount. With all do respect...."you're ppphhhuuuccckkkkkeeedddd" in regards to credit score....but instead of getting phucked by two pricks you're only gonna get phucked by one prick...and i did say "with all do respect"!!!

santa lil helper · Feb 18, 2016 3:21 PM

sounds like number of you have been down this road before yes, you're pretty much f**ked in many different ways just like how the black poles gang bang blondes in all the different holes

user01 · Feb 18, 2016 3:26 PM

nope never been down this road......but i got loads of black friend that's been down this road. my credits is in the 800......oh yea!

santa lil helper · Feb 18, 2016 3:29 PM

Don't be scared of the credit report thing. Call them or more professionally write to them with a registered mail and keep copies for yourself. Request a proof of the credit / repo invoices. Your credit is for sure down the hole for now but don't worry it will stay there for only 7 years. I was in a similar situation once but in a smaller hole. However i got lucky ..the creditor started calling me at work and that is illegal illegal , the creditor also renewed the original date of the credit to a current year which is also illegal. How much did you pay for the car btw.

fdpower · Feb 18, 2016 3:53 PM

fdpower, What did you do to take it off from your credit? Jabless, they have not sent me any notice of sale. it was couple of year back, so I am sure they have already sold the vehicle. However, I have not got any notice yet since my car got repossessed. I have not paid anything except $1000 down. *********I know better if I fucked or not guys, please comment if you have any suggestion or advice..****** Last edited: 18-Feb-16 04:24 PM Last edited: 18-Feb-16 04:27 PM

Nepal182319 · Feb 18, 2016 4:21 PM

fdpower, What did you do to take it off from your credit? Jabless, they have not sent me any notice of sale. it was couple of years back, so I am sure they have already sold the vehicle. However, I have not got any notice yet since my car got repossessed. I have not paid anything except $1000 down. *****I know better if I am fucked or not guys, please comment if you have any suggestion or advice..****** ***********Saathi ho, please mero pura question/comment padera matra suggest garnu hola*********** Last edited: 18-Feb-16 04:59 PM

Nepal182319 · Feb 18, 2016 4:30 PM

U must be smoking weed or outta ur mind. Ur first posts says bout all these fcked up crap happened to u just as of now and the last post sounds like it was happened a year ago. Eitherway u r fcked as someone said.

bittertruth · Feb 18, 2016 4:53 PM