it never ends

iVillage Member
Registered: 04-01-2003
it never ends
6
Tue, 01-30-2007 - 5:50pm
During the past four months dh lost 2 jobs, he is working now. I had to quit b/c of my back pain and my mental instability. During that time our car was repoed. It was a 2005 PT Cruiser we bought it brand new. We only had it for a 9 months. Anyway, they sent us a statement that they sold it for $7,000. We bought it for $20,000 and the blue book value is around $16,000. I am floored. We now owe $11,000 with all of their fees. Oh I am so upset I feel like I am having a nervous breakdown.
Jessica
iVillage Member
Registered: 02-12-2004
Tue, 01-30-2007 - 7:36pm

Hi Jessica,


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iVillage Member
Registered: 08-02-2005
Wed, 01-31-2007 - 7:01am
Oh Jessica I'm so sorry to hear about your recent misfortune. I hope things get better soon. Be frustrated and angry. You have every right to be.

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Amanda

iVillage Member
Registered: 10-15-2006
Wed, 01-31-2007 - 11:05pm

Can you file for bankruptcy. That happened to us bout 3 years ago and we filed bankruptcy. it is hard crawling out of it but we just bought a house and are re establishing our credit. i know it's going to take a while but it may be an option for you. i would think they would have to atleast get the blue book value for it!!

Robin

iVillage Member
Registered: 03-09-2005
Thu, 02-01-2007 - 5:46pm

I am sorry Jessica, that sounds awful.

I bought a car in 2005 too so your story hits close to home. It's a Dodge Neon. And would'nt you know it's only 2 years old and I've gotten into accidents already and my door is so messed up that half the time I can't open it and have to use that remote control thing. And this is after I spent so much money to get it repaired and they can't even do it right. Cars are so much stress! I wish all cities had subways, I would use that every day and not need a car!

iVillage Member
Registered: 04-01-2003
Fri, 02-02-2007 - 1:12pm
I'll never buy anything again that I cant pay cash for. We are going to file for CH13. We dont qualify for a CH 7 uggg! But at least it will stop garnishments. DH only brings home $1,500 a month and our rent is $740 (extremely cheap for where we live) but even that is such a struggle to maintain with 2 daughters so we cant afford garnishments. Im so stressed out and i am trying not to think bad thoughts but it is so hard. I filed for disability yesterday. I hope I get it since I cant work anymore with my mental problems and my back. I know no one gets approved at once but i have to keep hope or i will just go out of my mind. At least I have my DID and PTSD diagnosis since 2001 with some periods of unemployment when i was bad and couldnt work. I never know when those times will hit just like depression. We cant plan for that sometimes it happens to me for no reason at all just like my flashbacks, alter personalities, panic attacks and nightmares. Oh I hope so bad that i can get disability and afford my meds without having to take them every other day to make them last longer. Sorry if I gave too much information about myself : (
jessica
iVillage Member
Registered: 08-02-2005
Sat, 02-03-2007 - 8:35pm
Sorry to hear of the trouble you're having. Keep your eyes on the end of the tunnel.

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Amanda