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  1. #1
    Join Date
    Nov 2006
    Posts
    1

    Default Behind on car payments and don't know what to do

    Hello,

    Im in a situation where Im not able to make my $639 a month car payment anymore, on top of that $118 for insurance each month. Im getting way behind,(2 months now). They want me to get caught asap or voluntarily surrender the vehicle. They said over the phone I would be responsible for "auction fees" if I give back the car. I'm sure I will owe them the remainder of what I owe less what they sell it for. Is bankruptcy the only way to avoid having to pay this deficencey? Can they garnish my wages in NC?

  2. #2
    Join Date
    Sep 2005
    Location
    Behind a Desk
    Posts
    98,846

    Default Re: Don't know what to do

    The two most obvious solutions are bankruptcy, or catching up and keeping up with your payments.

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