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SARA M.
Guest
This is kinda complicated but I really would like some practical advice. I bought my car with my ex fiancé. It's an 05 bought it in 06. We both on the loan through capital one... Man they suck!!! At the time he was making the payments cause I made nothing at my job. But had very good credit. And he had bad credit but made lots of $$$. We broke up a few months later, and I ended up taking car cause my name is first on loan and I didn't trust him to pay car and ruin my credit on purpose. Well three years later now I had some rough luck getting fired from my job for being pregnant( me and hubby expecting baby in this month) and the job had issues with insurance and canceled my insurance retroactively cause they never paid my premiums from my check. So my credit is trashed cause I have medical collections and lots of them. I wrk now but only temporary I go On maternity leave soon. No way I can afford car payment,already behind, capital one won't lower my payment. My credit too bad To refinance. My hubby don't have best credit but decent already has two loans out , can't really help me out. Don't have money saved up I owe lots more on car than what it's worth cause my intrest rate is sky high cause my ex bad credit on loan. I need a car no family would help. What can I do ? I'm stuck.