Help paying off end of car loan
Posted: Sun May 29, 2011 11:59 am
Hi,
I posted in another forum too but wanted to post here, as well.
I have had a car loan, during most of it I was unemployed. I temped as much as I could while collecting unemployment in the gaps. I went over 99weeks of unemployment so it was ended a few months ago. I haven't paid any bills except rent, car, car ins, and cell phone. That alone is stressing me out. Yesteray I get a call from Toyota saying that I am behind one payment and owe $1300 of interest on extensions I had while unemployed earlier in the loan. I thought I could just pay them monthly due to my situation. I always pay them every month but they refuse to work with me. They sai dI have until June 26th to pay off the $1300 and change of interest or else they can reposess the car. I spoke to someone a few days ago that said they won't reposess it for such little owed at the end of a loan, but this guy said they could and likely would as a tactic to "force" me to pay. Its not like I dont' want to pay. I'm unable. I just got a part time job that pays $285 a week. Nothing, really. It should go fulltime if my trial works out in Sept. But I don't have that long. My part time job just pays the rent. I have nowhere else to go and noone to help me. My father used to help me but he died a few months ago. I have been using the money he left me to live since my unemployment stopped. I have not found many temp jobs this year, further draining my living savings. I dont' have enough in my savings to pay the car. I'm down to very little money. But all this came out of the blue. I really thought Toyota would work with me as long as I paid them every month. I was going to. I barely eat any thing anymore, have no cable, mooch off of someone's wifi for internet and dont' go out w/ my friends or anything. All I do is work my part time job, apply for more jobs and sit home and worry that I'm gonna lose everything I have worked so hard for. I had a great job before this. I lived a comfortable life. I have no kids and social services won't help me. I've tried. If they take my car, I can't get to my part time job, that means I will run out of money and won't be able to pay rent. And Ill be on the streets. It can all happen so fast if I lose my car. I have worked so hard and am physically exhausted and I can't catch a break. I just need to keep this car. If Toyota would just work with me, I'd be able to do it in time, but they won't. Is there anywhere that a 31yr old single female w/ no kids can get any kind of help? I don't care about food stamps. I can go without. I know I don't qualify for welfare or general assistance. You have to make less than $140 a month as a single person. Already researched. I just need this car paid so then I can focus on rebuilding my life.
If there are any companies involved in charities that you know of, please let me know. I'll even work for them to repay them! I just can't lose this car.
Thanks for understanding, and my sympathy goes out to all others who are going through this too. I know how hard and stressful it is.
I posted in another forum too but wanted to post here, as well.
I have had a car loan, during most of it I was unemployed. I temped as much as I could while collecting unemployment in the gaps. I went over 99weeks of unemployment so it was ended a few months ago. I haven't paid any bills except rent, car, car ins, and cell phone. That alone is stressing me out. Yesteray I get a call from Toyota saying that I am behind one payment and owe $1300 of interest on extensions I had while unemployed earlier in the loan. I thought I could just pay them monthly due to my situation. I always pay them every month but they refuse to work with me. They sai dI have until June 26th to pay off the $1300 and change of interest or else they can reposess the car. I spoke to someone a few days ago that said they won't reposess it for such little owed at the end of a loan, but this guy said they could and likely would as a tactic to "force" me to pay. Its not like I dont' want to pay. I'm unable. I just got a part time job that pays $285 a week. Nothing, really. It should go fulltime if my trial works out in Sept. But I don't have that long. My part time job just pays the rent. I have nowhere else to go and noone to help me. My father used to help me but he died a few months ago. I have been using the money he left me to live since my unemployment stopped. I have not found many temp jobs this year, further draining my living savings. I dont' have enough in my savings to pay the car. I'm down to very little money. But all this came out of the blue. I really thought Toyota would work with me as long as I paid them every month. I was going to. I barely eat any thing anymore, have no cable, mooch off of someone's wifi for internet and dont' go out w/ my friends or anything. All I do is work my part time job, apply for more jobs and sit home and worry that I'm gonna lose everything I have worked so hard for. I had a great job before this. I lived a comfortable life. I have no kids and social services won't help me. I've tried. If they take my car, I can't get to my part time job, that means I will run out of money and won't be able to pay rent. And Ill be on the streets. It can all happen so fast if I lose my car. I have worked so hard and am physically exhausted and I can't catch a break. I just need to keep this car. If Toyota would just work with me, I'd be able to do it in time, but they won't. Is there anywhere that a 31yr old single female w/ no kids can get any kind of help? I don't care about food stamps. I can go without. I know I don't qualify for welfare or general assistance. You have to make less than $140 a month as a single person. Already researched. I just need this car paid so then I can focus on rebuilding my life.
If there are any companies involved in charities that you know of, please let me know. I'll even work for them to repay them! I just can't lose this car.
Thanks for understanding, and my sympathy goes out to all others who are going through this too. I know how hard and stressful it is.