Stockbuyer,I still think his immediate problem is the $1100/month in car and insurance payments. That $8000 definency is not going to get better 30 or 60 or 90 days from now. Now, I see where he wants to sell cars so, I assume he is working as a car salesman now. Most auto dealerships will give their salepeople a demo car to drive. If that is the situation with him, his transport problems could be solved as long as he is working for the dealer.If that's not the case, he'll still be way ahead selling the muscle car and selling the caddy and cleaning up the definency and buying a used car. A lower interest rate won't fix his problem. He doesn't need a lower payment, he needs no payment. As we say in my business, there is no disgrace in being wrong but there is disgrace in staying wrong.
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