DO THIS IF YOU CAN'T AFFORD YOUR CAR PAYMENTS ANYMORE! MARK UP VICTIMS ARE REPO'ING!
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- Опубликовано: 13 май 2024
- In this video I share what to do if you over paid for a Dodge Challenger or Charger or any car this last 3 years and can no longer afford your big car payment and how to avoid financial disaster.
Follow me on Instagram, Facebook, and Tiktok at OCMotivator 
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Confucius say hide your car in Garage until you can make payment
People want a hellcat so bad the sale their soul to get one.
He’s speaking facts. I sold my challenger when I realize how much I was spending on payments, gas, insurance. I would’ve been in a bad position in 6-8 months. I was in negative equity by $1200 but it would’ve been worst if I didn’t put down payment at the beginning. I ended up getting a Honda accord and I haven’t worried about my car finances since.
I’ve had 3 Hondas I love them they good reliable cars I’m gonna get another 1 one day just to drive to work
Hondas are mostly reliable I had one though my 2009 had issues with the short block. It grenaded twice and it was covered was some kind of engineering issue. Left me stranded on I95 in philly once
People are buying these cars at insane prices and rates just for the status and the social media clout
@@BrianWaller-qe7gr in 2014 i was looking for a car to play around with-interested in an rt. no way was i going to pay what they were asking used or new back then. i purchased a 1995 corvette. mostly in really good shape. solid car, i got it up to 100%. nice car, had many of compliments. i really wanted a challanger. i found a pair of challenger set8s in 2019 an 08 and an 09-one had 30k one had 10500. one owner vehicles. i got the 09 with 10500 miles hemi orange. paid off early. i wont be getting rid of it. solid car, just passed 20k. unless i have to sell because it is my third vehicle and need the cash. i got a really good deal and the car i wanted in the first place.
There is no way I’m paying 1800 for a car payment 😨
Right that’s a decent house and reliable car payment
No way in hell!!!! I got a good car for 5,000 cash
Me neither,lol 😂
@@chikgriffin4136 thx
Man most of us go thru really bad times and have great times you are so right about that I've lost everything and everyone in my life homeless couldn't eat for weeks but now I own my daytona 392 have my family and roof over my head but I never forget where I have been and could be again
Amen brother!
💯💪🏾
I knew this was coming 2 years ago. People paying $20K+ over MSRP on vehicles, loaned out 130% at 84 months. They'll have to chock it up as a really expensive learning lesson after the Repo truck pulls away. I'm amazed at all the videos out there of 20-21 year old kids with $1300/mo car payments (that's before insurance and maintenance too). Pure insanity.
Yep. And they all sat there believing a car salesman who was telling them these cars would all be “collectors items and are in investments”. 🤦♂️
I can’t feel bad for the markup bros. They are part of the reason this markup thing is still going on. Someone will take that charge.
Facts
They’re the reason why the car market is fucked right now and all these car dealers have the audacity to charge $30K or more over for all these cars that aren’t worth that they just aren’t besides the engine the cars are cheap hunks of plastic people buy these cars for the power that’s it’s
Ya, I have zero sympathy for anyone that thought they had to buy a car that was being marked up over MSRP.
Exactly. I also have zero sympathy for the lender that allowed it in the first place.
It really sucks. Because once you miss a payment and you're late your credit takes damn near 100+ point drop! It's hard
Just to recover from THAT! Great video!
Try 150 points
That’s some great advice. Sorry to those who have lost money and are stressed out about what to do. I too have made a “emotional” purchase of a vehicle before. I was fortunate to have bought it prior to 2021, then was able to sell it for slightly more than I paid. (2019 ZL1 convertible 😎). Even then I knew I didn’t want 1200/month going to payments/insurance combined. Guys. We are in the last days. Get right with God, ask Jesus into your heart. He’ll guide you down life’s path. Brad, stay blessed. Love the videos brother. ❤️🙏
I was always taught you need to learn the hard way can't have anyone bail you out when you made that choice. Gotta pay to play plain and simple
392 badge on the side of the dodge is the credit score of target demographic😂
Bahaha😅
This is WHY it pains me that our education system doesn't teach and heavily focus on a financial literacy curriculum. Obtaining a loan to buy stuff (cars, homes, business) is THE major part of our overall economy, so choosing not to teach the population how to avoid or deal with financial hardship seems cruel, sadistic, and like a lawyer chasing an ambulance for profit. Education is a good substitute for suffering to learn the "hard way". Not everything is "common sense" to every one, especially financially. Thanks for another great video full of good advice from a guy with real world experience! 👍
There is a picture book called “Money: For Kids” by Ahvriel Thompson and it’s diverse & teaches financial literacy 🤷♀️ A better investment for your kids than crossing ur fingers on their way to school
A lot of people graduate high school with at best a fuzzy idea of what they learned for the last 12 years. Teaching finance wouldn't make a dent when people want to show off to people who don't care, using money they don't have.
Its not a school problem.. its a people problem. YOLO right? Well, you’re still living with the consequences of your actions.
You sir are 100% spot on. Schools need to teach this rather than navel gazing.
Just wanted to say that the information contained in this post is spot on accurate 100%!!! Early open discussions are the key…as stated in the video, if you wait, difficulties will follow. GREAT VIDEO!!! GREAT CONTENT!!!
Thanks For the video. Thanks for not sugar coating anything and helping subs that may be in a Finacial hardship. Most people have been there. Make a plan to do better.
Hey brother I really thank you for your information on our financial problems. I’m almost 70 years old and made a good living for my family all my life. What you are telling us really makes sense. and you seem like a really nice guy. I’m sure you have helped a lot of young people with your experience and information. Most people don’t take the time to give people advice. I guess they don’t know or don’t care or for what ever reason people just don’t understand or care. I really enjoy watching you show. O and by the way I love your car. Like I said I’m almost 70 and I would have already had a hell cat or something that has a lot of power except for my wife she’s is the money manager so I kinda listen to her. Thanks again for caring.
OC, this is really good information you have shared here. A lot of people don't know that car lenders don't want to repo your car, they want you to pay for it and if you work with them they will find out a way for you to do that if possible. People are just scared and they don't contact them in time. Thanks for putting this out and letting people know this.👍
This video was a real huge eye opener. Info was great. Thank u. 💪🏾
Thanks so much for taking the time to share this info and for your transparency
You are so right. I called Chrysler Capital when the Pandemic hit and my salary was cut and I got some months skipped. They were awesome. They do add it to the end of your loan but at least they help me. I didn't care. I was happy. It is not hard to do. Be strong. It happens to the best of us. You will recover. Then after you get on your feet try to refinance your high payment.
That part just got to hang in there ! Things to change over night
Same. I was able to defer 2 months payments.
You’re the real deal OC, thank you! 😊
I love informative videos like these, definitely didn’t know about the deferred payment thing. As far as the voluntary repossession that definitely worked for my mothers benefit when she had to do it years ago. After she put herself in a better position financially a few months later the buy here pay here she bought the car from worked out a deal with her to pay a small lump some and shows the car was paid in full on her credit.
This is a very informative video. This reminds me of the time i got my new Toyota back in 2015 and then due to some unforeseen large medical bills I fell behind on my car payment for a couple months. Well, I was able to avoid a repossession, because I decided to do this whole gig work thing to pay for the car. So for a year I hustled on Uber and doordash and used the earnings to attack the loan. I’m glad I did as the car is fully paid off. Thankfully, the mileage is not crazy on it. 2015 Corolla with only 94k miles.
It sucks, but I can say Ive been there. I lost it all...twice. Now Im much older and have learned my lessons. I try to live within my means, although it hard and sometimesI still slip, I do it. No matter what people, you will get thru it...
It makes me sick to my stomach to hear people going through this. Because of my own apprehensiveness thank god I’ve never been through it. It was like pulling teeth for me to even finance my current RT my own sister thought I was crazy lmao. I was so apprehensive I put down 10k on a 26k car I just didn’t want to have a high payment I didn’t want to have to alter my lifestyle because of a car. I’d love to have a newer Mopar or Mustang GT but if I can’t get it at a healthy price through my bank it just doesn’t make sense.
You CANNOT be afraid to WAIT! I’m 42 I grew up poor as hell I didn’t get a nice car till I was 30 but I put in some work I’m a administrator in education I make REALLY good money but I’m not gonna overextend myself. Having a $1800 car note is just financially irresponsible unless you’re making over 6 figures. I hope everyone makes it out of this recession it’s a mess!!! I’ll get what’s mine when it’s time but I’m not gonna let these banks and dealerships screw me because I love cars. I had a 2000 Buick Regal with 180k miles on it before I got my Challenger 😂😂😂😂😂😂
Great video OC! I was in a bad place in 2007 and I had to give my car back to the lender and I made it thru in a good but tough way. I worked with my lenders and I was happy I did. I am doing great because of my actions. Thank you! 😊
Did your lender work with you when you returned the car? Credit score, payments etc?
@@benjamincarlson5637 That I do not know the answer.
@@benjamincarlson5637also very curious about this.
Thanks for the advice. Times have been really tight. I absolutely did not want to but I called and asked for some help from the lender. They approved to skip 2 months so that'll be a huge help. I'll be contacting my other lenders as well.
You helped me man I just want to thank you man
Thank you sir, I really needed to hear this 😊
I was never one to make rush decisions especially when it came to buying a car. I would love to have a hellcat. Can I afford it? hell no. I have a family to feed. Just because dodge is discontinuing the v8s doesn’t mean running to a dealership and spending all your savings because it’s your dream car. If it’s not meant to be then it’s not maybe along the way you will get something better. But when you rush guess who is losing for making a bad decision? ya yourself . These companies CEO don’t care if you can’t afford it all they care about is money in their pockets. Don’t be the person that puts yourself and family in a long financial debt. Overall great video Motivator! I think some people need to hear that it’s okay not to be able to afford anything and to just keep pushing forward and everything will be okay
Wow😮 you went through some stuff but look where you are now 🙌🙏😇
A man finds out what he is made of after you get knocked down.
im so greatful for Navy Federal. That credit union will not allow their members be ripped off in the auto and housing market.
Great info OC...thanks 4 the advice..✌️
OC… another insightful video. Thanks!
Great advice brother!
What's up Brad I recently purchased a last call 2023 Challenger RT plus with a bunch of add-ons and luckily the dealership I went to did not have any mark ups on there vehicles, these guys are highly recommended especially if you live in South Texas area McAllen to be exact my car was priced at $51,800 I waited for about a week or so and they literally dropped it down to $49, 180 plus they gave me $1,000 discount I know I might be upside down on my interest rate but I know in the future I can refinance for a better deal I took your advice and waited and shopped around and luckily I got my dream car thanks Brad keep on pumping them videos🙏👍
I know its easier said than done but as I said before people have to look ahead with finances not just right in front of them at the time .Think what would happen if you lost your job or some other problem that would limit your finances .Those who paid above list with big markup should have seen this coming before they bought .You were telling us this for months . Good vid by the way as always 👌
That’s some great advice brother I wish I would have done that when I was younger
Thanks for the advice you’re a smart man.
Very solid advice!
Now that was a GREAT video! I was fortunate when I purchased my Challenger. I could sell it today and actually make money on it. Again, THANKS!
Loved this video. Thankyou!
This is a good and helpful video. TALK TO YOUR LENDERS!!!
Preach brother!
Man they did it to themselves. These days of asking people for money is absolutely crazy.
You're 100% correct about working with your lender. Also like dave Ramsey said, food, shelter and your transportation to work is first. The credit banks are lucrative they can take the hit before them.
Thank you so much. God bless you.
Gotta keep going I have been thru repo bankruptcy layoff heart surgery and being a widow all this by age 40 I'm 50 now I'm still standing
I love watching your video even though I drive a Toyota Camry. Seeing this type of video makes me really glad I got my Camry that I actually love. I only pay $200 a month and only owe $1,500 on it.
I'd love to get into a Challanger with a manual but I think I'm gonna wait till I can afford a used one as a toy when the prices are low enough.
I'd hate to be in a position of getting a dream car and instantly becoming upside down because of some greedy dealer with a huge mark up.
Just you making time for youtube. Blessings
Love you man :)
We have all been there, and you do learn from this, and you can move forward. Plus he is absolutely right pick up the phone and call the bank. They rather work with you than repo the car.
I blame myself for this, I had traded in a car with an existing loan, carrying the remaining loan onto a new car loan.
I owe way more than the car is worth!
Thanks for this advice, greatly appreciated!
Great video info ty sir
It took me 6 rehabs to get off drugs. I’m 22 now. Every time I came back they were all like “ we knew you’d be back” these were the staff who said that which is crazy. I kept coming back and thank god I did this and went through with this and a young age because i saw 60 year olds in rehab who still didn’t get it. Funny thing is a lot of times it’ll be those people who try to help everyone yet they can’t even help themselves
THANKS GREAT INFORMATION
This is a good dude. This happened to me years ago. I did what he said & called GMAC & they extended my car loan. It took long but I didn't care. Got out of that situation. I was in my early 20's too.
My first car line was through GMAC,,,my grandma co signed for my blue 1986 IROC Z,,,, I was 19 ,,and that’s what started my credit,,,I never missed a payment and payed it off,,my very first new vehicle was a 91 Silverado extended cab,,no co-signer and payed it off,,truck had a 350 with 5 speed stick,,I still remember what I payed,,,16,450 payment was 166.50 a month LOL that was a lot back then!
This hit home. Been in bankruptcy after my 30 day ICU for cancer. 500k in medical bills, no way to ever pay that back. Now Im staring down that barrel again after my heart attack. Not sure how many bills are gonna come in, but they came.
The issue is that mantra, of saving for a rainy day. If I did that, I wouldnt have any chance of investing for retirement. I would only be putting it away. I figured, I had enough things on my medical bingo chart, that I was done. Nope. So it sucks, you do what you can, and hope for the best.
I will say that the only time I felt invincible was when I was healthy, and young, and that backfired on me. Now, Im momre negative, true, but at least it keeps me braced for impact, cuz boy, the impacts they keepa coming lol
Ya. Right about the time we finally figure this all out and can handle anything, we get hit by lightening. Lol. Hang in there. I know it is no consolation but bankrupting medical bills is pretty much the most forgivable BK you can do. You’ll recover rapidly if you’ve gotta do it. Hope your recovery is going well dude! 🙏
@@ocmotivator I hope it wont come to that. Things this time around are better. Medicare covers a big chung, and the rest I think I can afford...sure, theres more I still need to do, the whole cardio rehab, but honestly, after the first visit, if I get a gist of it, I can do it by myself, not 3 times a week for a year! Thats a lot of payments. I know its heart related...and there is the VA (even as incompetent as they are, I might use them to get tests and bloodwork done).
But I do appreciate it. Just was thinking about being roick bottom, then up and down and so on. Had a mini flashback of life lol
Most hospitals have a charity assistance. You shouldn’t be filing for bankruptcy for medical bills
Situations like this were not who I meant when I commented above,I wish u the best my Friend ,Hope things get better for you
Dude that’s paying 1800 on a narrow body deserves that that’s probably the dumbest thing I’ve heard
This is sooooo true. Everyone does have to go through their own issues because the that short term help will only hurt u in the long run. Help a man get a better paying job on the other hand. Teach a man how to fish.
You, and hundreds of other people, have told everyone DON'T PAY MARKUPS. Can't feel sorry for them choosing to learn the hard way...
A fool and his $ are soon parted.
Great video 👍👍
My parents always said if you dont have the cash dont buy it , used that advice for everything except for my house.
Been there done that, 2008 recession, bad business deals, family loans, etc. My word of advice sitting on a 2023 Challenger Scat, if you feel like, you're going to struggle, doing math as you're drooling, wanting what is going to get yo A** in Finacial trouble, pick your sorry A** up, Cowboy the F up & you don't need a material thang!!! Tangible is a worked for luxury, stress is a mind game & stress will make you do some stupid stuff!!! Gr8 video, but these cars are a luxury, not a necessity!!! Sleep tight Cupcakes, your time will come!!!!
Sir, thank you. Thank you for this video. I will make it out of this mess that im in, i can relate to you so much, i lost my mother to cancer, my dad got a new family, my family turned on me and left me alone, i lost my mustang for falling behind oayments, All in a spam of a year, but i will get through this. I still havent been able to get a new car and have to travel 27 hours next month to north dakota for work but i will figure it out. God and my wife are with me. Now ima sleep because i need to look for a used Starter for a car i might be able to use! Lol
You didn't mention about doing a refinance if you own a home, which we did lucky before the rates jumped like crazy...paid off both vehicles which had combined payments of $1400 a month...yes our house payment went up some afterwards but things were sorta getting tough before...but we have both titles now free and clear and still maintained our excellent credit.
so i had a beautiful destroyer grey widebody scat loved every second of owning that car.
unfortunately it was way more that i can handle on my finance side. I decided to swallow my pride and spoke to my wife about it. No one wanted to help me. luckily i was able to trade it in for a 23 camry and only got a few thousands of negative equity thrown over. I can say i learned my lesson and wont be doing something like that again without thinking about my finance situation is.
55 here… I’ve lived it all.. the highs and lows.. This is a repeat of the housing crisis but in the car industry.
Banks and dealers were making money hand over fist. It’s all crashing down now.
Certain provinces in Canada the banks can’t go after you for fees and what’s left after the car is auctioned off.
Immaturity vs maturity, sad to see this happen, however they have to learn the hard way, this guys & gals are the very reason why dealerships kept charging this ridiculous mark ups. All because they see their favorite rapper rap about this cars.
plus in some states evading the repo man will land u a GTA charge.
I would say before you take on a massive auto loan save and make money first. This is America and opportunity is there. I'm 53 yrs old and been in the casino business since 91. In the mid 90's I moved from Jersey( my home town) to Biloxi MS. That's where I saw my opportunity as houses were 50-150 Ave. I busted my ass and bought 3 houses in 5 yrs. They are now more than doubled in value. 2 almost tripled. I now have 7 houses. 5 in Biloxi and 2 in Atlanta. What I'm saying is look where the market is going to boom and buy. This is America so bust your ass and play the game. Then you'll have no problem buying that expensive car you want.
Couldn’t agree more, cut your losses. Work with your bank, they want to bleed you through your lifetime not just 1 loan event, they’ll work with you, but you’ll pay. Take the deal and get better.
I work in collections it's unbelievable the amount of people that just avoid the bill while admitting that they got another car with a ridiculous interest rate that they can't afford. Just kicking the can down the road
Everyone goes through financial difficulties. Even corporations! They have to cut back during recessions.
OC is exactly right! Another thing once you get clear of the situation don't ever put yourself upside down ever again. I have never had a car payment over $400 a month and I have owned some nice cars over the last 50 or so years. Too many folks I know have had high payments on cars or trucks and when the first bit of adversity comes they are in trouble. If you can't put enough down to have a modest car payment you really can't afford it. If you follow that rule in life things will be easier for you.
This is EXACTLY my mantra my car payment in $303 a month on my 2014 RT but I put money down!! There was NO WAY I was living with a $700+ car payment.
You gotta pay to play
@@BigDilf3 You get to play more if you don't make poor financial decisions. When you have a modest car payment or no car payment you have more money to play with. I have a nice Accord for my daily and a very nice Saleen Mustang with 12K miles and no car payments. This allows me to enjoy my hobbies because if I had a large car payment all of my disposable income would being going into a car payment rather than other things that I enjoy as well. I am 64 and the cars I have will most likely last longer than I will. So I may not buy another car.
I got a 🐈 challenger & a camaro SS that I just got wrapped, my c8 should be here in Nov. I’m in a bad/good situation cause I don’t know which to get rid of and HOW 🤯
7:28 tie rod ends on a sport car, 3 hour quote $60 parts, and a $900 repair bill. working taxes for business, 86% state/fed combined, so that's a $42/hr working rate no its $34/hr after parts cost, no one can afford to pay the home mortgage and have lunch at local designated establishments for that billing rate. "complain about the bill, and fill out a 90 day consignment form"
Just because a car is repo'ed doesn't mean you can't get it back either. I bought a brand-new Naples Gold 2002 Honda Accord Sedan at the same time we were having our house built. Maybe a year or two later after living in our new house, things got a little tight and we were a little late. My wife got a call from the bank, and I told her to park it in the garage, then I called her back and said let them take it. I'm still driving that Naples Gold 2002 Honda Accord Sedan along with my other 4 vehicles, including my 2021 Widebody Challenger Scat Pack T/A edition and a Ducati 1098. Do the right thing and call the bank. I did, and they told me exactly what I needed to do to get the car back. First of all, it is as embarrassing as hell, but the worst thing is sometimes the guys who reposes your car don't give a shit about it unless you make it easy for them. They're getting paid, point blank. Sort of like, Wanted Dead or Alive, so don't run from them. When I got to the yard to finally get my car back, it had almost no fuel. They siphoned all the gas out, and I had to keep my fingers crossed as my brother drove behind me in case I ran out of gas before reaching a gas station.
Life isnt easy for sure man i been threw hell and i wish i had a home
Im currently dealing with a 2015 mustang i currently get out of due to me not checking carfaxs on it, dude before me flipped the car 2 times but the car runs and looks like it never happens but its only worth $2k to sell it but 10k to trade it and i owe 13k on it now. I like this car but im currently thinking about letting the repo man take it at this point its been 458 a month and i feel like i could be saving so much by no longer having it. I can deal with the payments but i no longer want it due to bills im having as im getting more into my 20s. Ill probably be happy with less right now so i can enjoy my 20s a lil bit better so i can go back to that life and be ready for things like this
OCM,I'm looking for a Ford taurus sho police interceptor. Where can I find one to buy?
Imagine no consumer ever paid a markup. The dealers will have to sell at least msrp. We have the power, stop letting these dealers screw you then make them bolder to screw more ppl.
every action has consequences. Lesson learned is all I can say, we all done stupid.
I wouldn't feel bad for the people who paid the markups. They knew what they were doing and didn't need that fancy latest and greatest next thing. That's part of the problem too many people have the "wants" and do not necessarily need that shiny new toy whether it's a car, phone, motorcycle, etc. Then realize a year or 2 later they can't pay for it
Damn man you are giving me 08 flashbacks. Mid 20's sub contracting in construction money just rolled in as fast as you could do jobs. We built house on acreage with a adjustable rate of course. Then one general contractor went bankrupt never paid then another guess what the jobs dried up and there goes everything. By 2012 we bought the house we are in now refinanced in 2019 and sitting on a bunch of equity. No car payments have a small payment on a bike and that even bothers me now. I am still ashamed and won't really tell anyone what happened. I do wish I had that house I built because it is worth a lot now but I don't look I don't even like to drive by it.
My wife and I put 22k down on our first house in 07
In 2012 I cut a check for over 2k and spent 2weeks and 7500$ building a nice bathroom in the basement just to sell it.
We walked away having paid 1800$ a month for 5 years and loosing a total of 32k on top of the huge payment with no equity to walk with. It was a huge lesson. Our next place was 55k and took me an entire year to rebuild and move in. Best thing that we ever did. We stayed for a long time and eventually the neighborhood became gentrified and I made a boat load of doe when we sold.
Moved to coastal fl in 2017 when houses where cheap.
7 years of vehicle repo on your credit is not short term... The problem is that most people know what they were getting into as they signed the loan document.. Basically, what happened during the housing market crash. Necessity for accountability is due. Social media is partly to blame as everyone is trying to live a life they can't afford.
Even giving them two months of the car payment isn't going to prevent them from getting their car taken. They're still going to have it repossessed at a future date. It's their fault for feeding into the system of overpriced cars. There's a reason why dealers kept those markup stickers on the cars. These guys were paying those prices
Don’t feel guilty not helping anyone with a loan or handout. I’m surprised - but not - that anyone asked you for a handout. You’re not a bank.
But your advice and personal stories and insight are infinitely more rewarding for them in the long run. Kudos
Can't pitty people who paid Mark ups. I couldn't get a hellcat because of prices. So I got a scatpack instead and paid under msrp. I waited 13 years to buy my baby. Even though I didn't get the HC. I absolutely love my scat and don't regret buying something I can easily afford.
I bought a new gladiator and traded it 2 weeks later for a new f150. That loan is financed for 58k. I work an hour and a half away from my home and put 200 miles a day just to work 6 days a week. My f150 is only worth 42k trade in and im at the point now where im gonna just take the 16k hit on my truck to get a car that can save me way more in gas. Ill recoup that negative equity in two years and it will free up 1k in monthly cashflow. It will be a very expensive lesson.
I can imagine how fun these cars are but i would never spend money i dont have.
I have a personal rule of thumb on car loans. If I can't get that monthly payment below $1000 then I can't afford it. If I can't let go of enough cash for the down payment it wasn't meant to be
A $1000? More like under $500. No transportation is worth a $1000 a month smh
@OctonaBoyFresh You are replying on a car guy channel we're not talking about Toyota Corolla's here 🙄 A widebody Hellcat that is $80-100k with the finanace 10% down is still over $1000 a month! 😂
My question is how do you get away with that window tint in Cali? I lived in Phoenix and traveled to LA often and CHP would be sitting just on the other side of the bridge and pick off all of us Arizona plated vehicles with SUPER DARK WINDOW TINT.
The fact that banks were taking loans at 120-140% LTV was crazy. Most of the time 80% is the cap
Hi, sometimes you have to fall to learn. you reap what yuo sow.
And this is why I was never into cars even being in America in 1988 and I settled with riding single speed bicycles!
great advice! because I pay close attention to economic trends I begrudgingly sold my 21 Hellcat Redeye Widebody and cut my payment in half on a 22 ram 1500 Laramie before ever getting in trouble. got what I owed from the dealership 2k down on the ram. ram's value is exactly what I owe 2.5 % interest keeps me above water. I will have another challenger hellcat Widebody when the time is right for me.
That three month skip works for some people not all.
My ex made sure I lost my car. Now I have to rebuild my self.