blk2k4

ok i haven't been really paying my monthly payments cause i can't afford to anymore. so i was wondering what are the consequences besides bad credit. and also a couple of my friends tole me that i could return the car without paying the rest of it off. is this true? please give me some feedbacks and info on what i should do....

civic01vtec

iTrader: (20)

well, u can't just return the car........the bank will repo it and you will be SOL. Why not sell it ?????

02boostlessCIV

bad credit always follows non payment, so you mind as well just drive it untill they repo it.

CuRiOuSfIsH

iTrader: (13)

bad credit can ruin your life.........

02boostlessCIV

or fake a theft, take out the radio and **** and then burn it and insurane should cover what you still need to pay for it

02boostlessCIV

^^^ of course i dont suggest it. Just a thought

mradam85

i dunno man i feel bad for ya... your not a student are you?

02boostlessCIV

there is also another way, take it somewhere safe, key it (make scraches on the doors and bumpers) so that insurance will give you a check for the damages, usually it's like couple grand because they would have to paint the car if it's scratched up, then pay the next couple of payments of your car. Advantage: your car wont get repoed, disadvantage: you will be driving a scratched up car.

blk2k4

i've been trying to but i live in a small town so no one wants the car.

a friend of mine suggested that we strip the whole car and run it into a pond. its a brand new car though. i haven't payed for two months now so i guess i already have bad credit. oh wells...by the way my moms the co-signer so i was wondering once they repo it..she gotta pay for it no matter what?

02boostlessCIV

she's gonna have bad credit, and no she doesn't have to pay for it, but they might sue her for money, so i guess the best way is sell it and pay the difference. If you owe 16k and you get 12k for it then paying that 4 k is better than having bad credit.

02boostlessCIV

but if it's a brand new car then the difference should be less

skipbarber

iTrader: (34)

dont drag your mom into the ditch with you..

civic01vtec

iTrader: (20)

2 months isn't bad.........they will threaten you after like 2 or 3 months. Just send them some money to shut them up. The don't pay for another 2 months. You have about 5 months left to play with it

btw.......... they will be after your mom....don't be a dick and ruin her credit too.

blk2k4

i know thats the thing i don't wanna do but thanks for all the feedbacks

MR. CIVIC

^^^^^i agree. but if it's an 04 sell me ur taillights and trunk. wut color is it?
where do u live? pm me back