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Thanks for your reply.

So about the car you sold? Did you have finance on it? Were you upside-down?

We have worked out that we'd have to come up with at least $3000-$4000 to pay off the auto-loan if we sold the car privately. And as you have read above title not released until paid, private owner (probably) won't pay until they have the title. Then of course trade-in...

With our house, phones etc., we have contracts and contracts are put in place so you can't just quit paying without a penalty. So I don't see how we can cancel the contracts when we don't have upfront cash to terminate them.

If it was as easy as selling the home (upside-down) and moving in with the in-laws or renting CHEAPLY then we WOULD! But there seem to be so many constraints I don't know how we would do that, which is what frustrates me.

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