Unemployed: Need help to keep my car
Posted: Sun May 29, 2011 11:30 am
Hi All,
I happened to run into this forum while desperately looking for help to keep my car.
Here's a quick version of my story. I have been long term unemployed and mostly temping or collecting unemployment for 3yrs. Temp jobs were very low wage. I had a great job before. Jobs at that level (mid level) don't exist anymore though, so I am applying to entry level jobs, and get no callbacks. So I've been temping to survive. This year I have had many gaps between temp jobs. My Unemployment exhausted (due to me collecting during gaps for the past 3yrs and part time work), and I have fallen so far behind. I have always temped enough to pay my car. My car loan had 6 extensions and I only owe 1 real payment, plus $1300 of INTEREST on the extensions. I thought I would be able to pay as I go. I got a part time job for 19hrs a week for a skincare company and have been looking for more hours at any other store/restaurant I can find to supplement. Nada. My car finance company called me yesterday and said unless I pay $1300 and change ASAP, they may decide to reposess my car. I barely owe any money on it. I have paid every month, even though in the past it was not what they wanted. I have always paid. They are not working with me. I have made call, after call to them trying to talk with different people, but all I end up doing is stressing myself out more. My part time job will not allow me to pay the full balance owed on my car within the month. I have noone that can help me. My father passed awaya nd I was living on the money he left me when my Unemployment ended.
Basically, I need to keep my car. I think it is unfair and cruel of them to threaten to take my car when I'm basically done w/ my loan and owe interest. Me paying every month means nothing to them. If I lose my car, I can't get to work. Then I will lose my apartment and end up homeless. All this can happen very quickly if I don't make this payment. I have applied for jobs EVERYWHERE to supplement my part time job (which supposely will go fulltime in 2 months), so they say. I am out of options other than sleeping in the car at night and fighting the repo man lol. But that won't do alot of good.
Is there any help in New Jersey for a small donation of $1300 so I can keep my car? I wish I had someone else to ask but I really don't. Hoping for some kind of charities, particularly in Monmouth, Middlesex or even Ocean Counties so I can go meet with them.
If anyone can offer any help, please reply here. I am so desperate to make this money but unless I hit the lotto tomorrow, it won't happen. I have until June 26th to pay off my car.
Thank you.
I happened to run into this forum while desperately looking for help to keep my car.
Here's a quick version of my story. I have been long term unemployed and mostly temping or collecting unemployment for 3yrs. Temp jobs were very low wage. I had a great job before. Jobs at that level (mid level) don't exist anymore though, so I am applying to entry level jobs, and get no callbacks. So I've been temping to survive. This year I have had many gaps between temp jobs. My Unemployment exhausted (due to me collecting during gaps for the past 3yrs and part time work), and I have fallen so far behind. I have always temped enough to pay my car. My car loan had 6 extensions and I only owe 1 real payment, plus $1300 of INTEREST on the extensions. I thought I would be able to pay as I go. I got a part time job for 19hrs a week for a skincare company and have been looking for more hours at any other store/restaurant I can find to supplement. Nada. My car finance company called me yesterday and said unless I pay $1300 and change ASAP, they may decide to reposess my car. I barely owe any money on it. I have paid every month, even though in the past it was not what they wanted. I have always paid. They are not working with me. I have made call, after call to them trying to talk with different people, but all I end up doing is stressing myself out more. My part time job will not allow me to pay the full balance owed on my car within the month. I have noone that can help me. My father passed awaya nd I was living on the money he left me when my Unemployment ended.
Basically, I need to keep my car. I think it is unfair and cruel of them to threaten to take my car when I'm basically done w/ my loan and owe interest. Me paying every month means nothing to them. If I lose my car, I can't get to work. Then I will lose my apartment and end up homeless. All this can happen very quickly if I don't make this payment. I have applied for jobs EVERYWHERE to supplement my part time job (which supposely will go fulltime in 2 months), so they say. I am out of options other than sleeping in the car at night and fighting the repo man lol. But that won't do alot of good.
Is there any help in New Jersey for a small donation of $1300 so I can keep my car? I wish I had someone else to ask but I really don't. Hoping for some kind of charities, particularly in Monmouth, Middlesex or even Ocean Counties so I can go meet with them.
If anyone can offer any help, please reply here. I am so desperate to make this money but unless I hit the lotto tomorrow, it won't happen. I have until June 26th to pay off my car.
Thank you.