Help! Single mom with an upside down payment on a vehicle that needs engine replaced, insurance didn’t care?
In May of 2007 I broke my ride and still own it. In San Antonio 2007 it rained so much, too much, it flooded out my car. So here are the chains of events which lead to my car being an issue. My car got flooded
• Was towed and dried out-worked but ticked
• Brought to an oil shop to drain water-
• Oil shop never removed oil-
• Car breaks-
• Get quoted for engine replacement and motor cost-$3,650
• Claimed to insurance
• Apparently was in between coverage when incident occurred (no INS coverage at time of incident)-got lawyer to lawsuit oil repair shop
• Fired lawyer (got ripped-off)
• Stuck making payments on a broke vehicle
So what can I do?
I’m a young college student, single momma all on her own, no child support or government (not by choice), and well luckily I’m pretty and it pays the bills. Yet this one I haven’t been able to fix since May, I need to fix it! Just want to know if I should fix (if so how to pay for that), trade it in with bad credit, or just pray for a miracle to help me? I need a vehicle to make income, to achieve goals, to take my son to the hospital when he gets ill; I just want my ride or a ride at a rate I can afford, how can I get that to get my life back?
The car is a 2003 Chevy Malibu with 150000 miles on estimate; don’t get to see it often as it sits on my folk’s driveway. It has an upside down loan out on it, the repairs are to replace engine and motor is locked. I’m looking for a way to fix it that is cost efficient for my status or to trade it in without having to pay monthly payments that are insane for a new to me vehicle( looking for cheap payments) I need a vehicle for work purposes, childcare, and to go to school. What are some ways to fix my predictment that what I’m inquiring? I’m all alone with no help, I’m seeking advice or actual people whom can help me achieve a better outcome than what I’m dealing with. What should I do?
How can I get a car going, in desperate need of one or some advice????
I’m looking for good heart and suggestion as to how I can fix this issue, not rude comments. Please I have already enough stress, I’m seeking advice as to how to fix mine, thats all. Not nasty comments.
14 minutes ago
Reminder I’m asking about how to fix my car and the problem I’m facing. Sorry if I offended anyone by having a good self esteem and confidence I’m not willing to loose over having problems.
I know this is not going to be free. I’m curious as to an affordable resolution to my problem that will get my car to be fixed or to get another vehicle? Is there a way I can make payments for it to be fixed, should I go to a school and buy the part for it to be fixed, should I trade it in( what type of vehicle would not make my payments sky high trying to stay under $400)or should I just give up and repo it? What is repo and how does it affect another car purchase?
I make money just haven’t hit enough to have that extra cash to fix my car, if it was a grand I’d do anyone and anything to earn the cash, I already do. I simply would rather know my options as to how to resolve this matter. So far all I’ve read is all I’ve done. I’m not an idiot or else I would still be living out of just a car and would of not been able to keep my son, I wouldn’t of been able to pay for a home, childcare,my broke down car, my life. This is a problem that is making my life strained because I want to be able to make my modeling gigs, bring my son to the hospital,go to college, and make my money however I can. I’m not looking for sympathy at all, my interests is to resolve this car problem how can I???
Wow that was alot to read, it sounds like you simply want a free fix for the car and it doesn’t work like that. If you need an engine you have three options, one is stop making payments and have your credit ruined, two is replace the engine while still making payments, three is to continue to make payments and get another car. You bought the car, you inspected it prior, I dont understand what the problem is, pay to fix it or get rid of it, either way you are responsible for the car payments on a car with that many miles even if it doesn’t run.
Wow that was alot to read, it sounds like you simply want a free fix for the car and it doesn’t work like that. If you need an engine you have three options, one is stop making payments and have your credit ruined, two is replace the engine while still making payments, three is to continue to make payments and get another car. You bought the car, you inspected it prior, I dont understand what the problem is, pay to fix it or get rid of it, either way you are responsible for the car payments on a car with that many miles even if it doesn’t run.
References :
Are you asking readers for money? I mean this could be a good scam. I know you havnt asked but it sort of could be taken that way.
My guess is your managing some how already but would like to improve the situation.
Can you borrow a car from someone for the days you need it most. Or a few days a week to help you out.
Getting into more dept doesnt sound great.
If your going to get another car get a Toyota with an engine size of 1600cc or less this way you have more reliable and cheaper running costs.
In the next 5yrs an energy crunch will happen.
Try to pay off your car and get by. Find a job closer to home or move closer to the Job and school and doctors.
When this energy crunch happens you will need Supermarket doctor hospital, school and work all near by.
Get a flat mate to move in to help pay the rent.
Maybe a boyfriend ?
Im into hand ups not hand outs.
References :
Well you need a car right now. So after reading i can only see two real options. Either replace engine, if you do not have money, the only option may be to charge it on a credit card etc. Or you could try to trade in/junk the car and just buy a new one. Both options will cost lots of money, but if you cant get to work or take care of kids without one then you have to do something now. This may just be one of thoughs things where you have to pay up and work hard to overcome, once you get some transportation and start making money again your debt will slowly go down and it will not seem so bad.
References :
life
ok , mom. lets for get about repo. they say it ll be on your credit for 7 to 10 years, but the way collection agencies work, they will keep it on there forever (been there). you have 2 choices…by another car, or get the malibu fixed. my advice is to get the malibu fixed. more specifically, put a used engine in it. go to a used part yard and get an engine that is A1.. the engine was run before being removed from the wrecked vehicle. have a mechanic do the engine on the side. most mechanics do work on the side, for extra money. this will probably save you half of what you were quoted. as far as the money goes, i would pay for the engine first, get it delivered in to your hands, then work on the labor end of it. Um,just a question, did you say it was in a flood? well, in my experience, car wont live very long after a flood even if an engine is put in it. think about that and email me, i may have another option but i need to get my facts straight first. dieselskidz28@yahoo.com. Alan
References :