Submitted by Fearless_Sentence_12 t3_10q841i in personalfinance
USS_Notajetski t1_j6oeu8q wrote
I would not risk the hit to your credit, collections and the repo on your court records. Repos here in WI they have to sue you in court. Not sure how that works for you. Could you work with the dealership to take it as trade? I have heard of people rolling that debt into something else.
Fearless_Sentence_12 OP t1_j6ofgfl wrote
I mean, if the debt is being rolled into some type of play later, then no. But I don't want to have anything to do with them again.
USS_Notajetski t1_j6og9ad wrote
What I meant is that some dealerships, like the one you are working with might be able to roll the 2.3K into the vehicle you are looking to buy so you can pay off the clunker and not take the hit.
Fearless_Sentence_12 OP t1_j6ohz6u wrote
I've already got a new vehicle bro, tho is what I'm saying. I honestly *could* do this, but with all my late fees im incurring on multiple other bills is dragging me down.
USS_Notajetski t1_j6oiqzb wrote
Sorry miss read your post. I thought you were currently buying another car. Not already acquired one. I guess with that info the worst you can do is call JD and explain the situation as you said and see what they can do. Maybe they can buy it back from you or something.
Fearless_Sentence_12 OP t1_j6oog1c wrote
That's what I'm saying, I know it'll hit my credit. But I honestly don't need credit rn. I have a house and a good car after this. I'm just trying to catch back up before I splurge into anything that's a heap of junk essentially.
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