I am 3 months behind on an auto payment with only 6 payments left to make, what are my options to ca

The car loan is in my parents name, but I drive it, they have extremely poor credit, and mine is not much better so a personal loan is out of the question. Does anyone have ideas, or know how long until repo?

I am 3 months behind on an auto payment with only 6 payments left to make, what are my options to catch up?

I would suggest hiding your car , or putting it in a place where it cant be accessed like parking a car directly behind it while the front end is up against a garage door. Or in a garage. The repo man is dipatched when you are behind three payments. Why don't you call the bank where you have the loan and ask them if they can do a modification. That means recalculate the loan so you won't be behind on the payments anymore. hide your car in the mean time.

I am 3 months behind on an auto payment with only 6 payments left to make, what are my options to catch up?

If you are three months behind they will be coming to repo it any day now. Hurry up and call them and work out a payment arrangement..they would much rather have you pay your debt then come take the car. At least try to get ONE full payment in. And soon.... and park the car in the garage until then! lol

I am 3 months behind on an auto payment with only 6 payments left to make, what are my options to catch up?

0{};;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;... by cutting your costs

I am 3 months behind on an auto payment with only 6 payments left to make, what are my options to catch up?

have anything to sell? Pawn something.

Sell Blood

Sperm bank

just do not let that go bad. Your credit history will never recover

I am 3 months behind on an auto payment with only 6 payments left to make, what are my options to catch up?

Communication with the lender is a must even if it is not your most favorite option. I think if you went to them and you have some kind of income, you might be able to negotiate a re-finance. They most likely will soak you for interest if your credit is poor, but repairing credit is part of what you want to tell them is your goal and you see that finding a way to refinance the remaining amount owed might help you to do that, and get them their money. (this does of course assume you have some income.)

I am 3 months behind on an auto payment with only 6 payments left to make, what are my options to catch up?

You have only 6 payments left. Don't know how big they are relative to your income.

You should contact the lender and find out what kind of deal they can make for you. Maybe you can make one and 1/2 payments over the next 4 months.

Don't wait for the repo man to come....be proactive.

If this is your primary means of transportation then you should be able to figure out how to come up with some cash.

Can you sell some stuff?

Can you get a second job?

Can you get someone to lend you some cash?

Can you hock something?

Another alternative is to sell the vehicle. Again, with only 6 payments left it should be worth more than the outstanding balance of the loan.

If the car gets repo'd the lender will sell it at auction....which will be much less than the retail price. If you sell it, and pay off the loan with proceeds, you get to keep any cash in excess of the sale price.

I am 3 months behind on an auto payment with only 6 payments left to make, what are my options to catch up?

It depends on how long you have been paying the finance off for. Suppose it was over 3 years. This means you`ve made 30 payments so far, thus paying off Over half the total amount owed. This will make it difficult for the Finance company to have your car repossessed. They will need a court order to do this. This can take time, but as you`ve already said you`re behind by 3 months. So the short of it is Yes! You`re running out of time.

Make contact with the finance company. Show willingness to clear the debt. They may be able to offer you extended credit terms, ie Smaller payments over a longer period of time. Also remember this debt is in your Parents name. So by you not paying you risk damaging their credit rating for the next 6 years.

What ever happens make contact with the finance company. Its in their interest to collect payment for the debt, and not the Car, as it will cost them to have it repossessed and sold at auction.

As for making money quickly, don`t get suckered into any %26quot;Get Rich Quick%26quot; scams you find either on-line or in newspapers.

If you have a job, ask for overtime. Or find yourself a part time job in a bar or store.

I am 3 months behind on an auto payment with only 6 payments left to make, what are my options to catch up?

Since the loan is in your parent's name you may have to have them go with you to the lender.A good lender will work with you to get your payments made. Repo is a last resort. they may let you just pay the interest until you hav a chance to catch up. If this ever happens again remember to see the lender the FIRST time you are unable to make your payment. They will be much easier to work with.