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"thanks for the reply, but what is the LBYM board? Yes, all of my payments are current, never been late. Once i get my car out of the shop i am selling the stupid thing. I dont really own anything thing else. I did have a motorcycle, but some lady just totalled it and her insurance company is going to pay the note off. yea, that cadillac was the dumbest thing ive ever done. My g/f at the time insisted i had to have it and i just followed right along into the trap. How soon can you call back and refinance?"

First, please don't EVER let a GF define who you are by the car you drive.

Second, since your still current and still have good FICO score? you can go to a bank, credit union, (no sleezy places that want alot of interest) you should be looking at the MAX at around 10% or so interest and with good credit lower. You just basically rebuy your car. I would not suggest this under normal conditions but you could refinace a 1 year old car for 48 if not 60 months. This should be done ONLY if it looks like you will have trouble selling the car. DO NOT allow someone to just assume the payments. If they default the banks sometimes come back to you who originally financed it wanting money. No offense but it sounds like you have to much car for the money.

Third, my husband is a muscle car fanatic (Dodge). I know that there are magazines out there (I can ask him for some names of them if you need them) that serious collectors read. We sold one 340 Duster that someone drove from Ohio to Texas and back to pick up. You might get maximum money from advertising in the right place.

Fourth, I agree it's WAY to early to talk about BK. Someone else could probably link you, but if you go back to the managing your finances board, the Living Below Your Means is one of the choices of boards. We get off topic alot but there are many great ideas on how to save money. One idea is to get a notebook and write down EVERY penny you spend for a couple of months. It just makes you more aware of where you're spending your money. You'll be surprised at how much of your money is wasted. Then setting up a budget is really KEY to getting your finances under control. Like I said before many have paid off HUGE amounts of debt, some not thinking they had enough money to do it, but you know they DID DO IT.

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