Started out our car loan for $17,689 4 years ago on a 2010 Nissan Sentra.After my husband's hours was cut , we could no longer pay the big payment of $410. Looked the car's blue book value up...it was overpriced by $11,000....I was already upside down when I opened the loan.They gave me deferrments(3) but did not tell me that they were charging huge late fees, huge interest, and fee's for deferring , after 4 yrs.
On a 5 yr.loan we still owe $14,587.00
Pay-off is still $17,000.00...I am to the point that I can not pay the big car payment! So I am basically forced to turn my car in to them....I called to ask them if they could lower the interest for a few days...their reply...NO! I asked if they could refinance it...their answer...NO wevdo not refinance! I asked if they would lower the payment...their reply...NO!
Since the car is upside down...I can Not trade it in nor sell it since I do not have a title.HELP!!!!! I FEEL FORCED TO TURN THE CAR IN.....
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