[neville]

4 years ago I was laid off and my bills were out of control. I did one of those no payments for one year on a car loan and rolled in the amount I was over from my previous one. The payments once they kicked in were horrible. The loan still has 6 years to go and I owe $33,000. Any suggestions besides being more responcible with my money.

[Mr. Knowitall]

You posted this as a "bankruptcy issue", so clearly you've thought of the most obvious response if you can no longer afford your debt load.