So i currently have a loan with esanda who I am not happy with as they have treated me like crap, I have been with them since 2004 and have gotten stuck on my payments as I am constantly paying for my car to be repaired as the tires wear very quickly due to a bad cambre on the back. I can no longer afford to constantly have the car fixed from all these issues and pay it off monthly. I still owe 20000 on the car and need to get out of this car and into a new loan with a different company. Heres the problem, I have applied everywhere under the sun in my desperation but because I have 3 paid defaults and 1 unpaid default no one will even look at me for a loan. The unpaid default is because I cannot find the people that listed it and I dont know what it is for so I will not pay it until i have more details. Can anyone please help me get out of this situation??? I am stuck in a rut and need some help desperately
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tell them to pick it up and go to drive time http://www.drivetime.com they have over 100 dealerships and can finance anyone as long as you have never have a dt repo
I have several resources on my blog that helps people in your situation. I have been through a bankruptcy and securing a loan is very difficult. I believe I can help. http://www.verizongo.com/?p=89
Unless you have a co-signer, you’re screwed with your current rig on the loan front. The options you have are as follows:
1. Get a co-signer and refinance
2. Do a voluntary repossession and pay the remaining loan
3. Keep paying them nothing and have your car repossessed
4. Get another job that will give you enough income to do the major repair that keeps costing you for the little repairs
Frankly, option one is great for you but likely to hose your co-signer (make sure it’s not someone whose friendship you’d like to lose). Option 2 sucks because you’re without a car unless you go to a "guaranteed credit"…errr…ripoff car lot. Option 3 will be a major scar on your already terrible credit but will last longer. Option 4 is your best bet. Suck it up, get another job, donate plasma or other biological goodies, whatever it takes.
If you successfully pull off option 4, swear to yourself that you’ll never take out such a big loan again.
By the way, of the millionaires in the country, the ones who bought inexpensive used cars were three times richer than those with similar incomes.
Looks like you’re stuck. The borrower is always slave to the lender. I’m sure you’ll pay off the loan at some point and you’ll know better next time. You can never go wrong by paying for a car in full with cash.
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