GRRRMPH SHIT!

[ashling]

We moved out here to the country partly in order to lower our expenses and get caught up.

Guess what happened - I just had my car repossessed about 15 - 20 minutes ago.

[cyberswede]

1. Shit! Do you have another mode of transportation?

So sorry.

[ashling]

2. In a word

NO

We just made a small payment ($50- its what we had) and Melodie told them at the bank that we would have $400 Friday. We were going to be all caught up in a couple of months.

Haven't been able to pay for our Blue Cross health insurance at all

Our move out here was a nightmare because we both got sick and had to keep the truck for extra days.

Its just been one thing after another, but we are finally in a situation where we can hope to get caught up and then this.

[Coventina]

3. Ah jeez...that totally sucks!

[femmocrat]

4. Crap!

What do you have to do to get it back?

[ashling]

5. I talked to the loan officer

and it doesn't look good.

At first she was saying that we would have to pay off the loan + repo charges w/in 14 days. That's over $9300.

Even if we could get that together by then, we are stuck out here in the country w/out transportation to work.

Shit, shit, shit!

[femmocrat]

6. Oh lord.

Sorry about your situation, ashling.

[ashling]

8. Thank you

She is supposed to talk to the CEO and call me back. One of the colleges that Melodie adjuncts for takes out their own retirement contribution and uses Met Life. Since Melodie is leaving that employment, she is going to withdraw that, which could have us caught up, but it won't be for a few weeks.

[Kali]

7. oh crap, ashling. I am so sorry.

I presume you are exercising all negotiations with bank/creditor. I found a couple things from the same website:

http://www.nolo.com/legal-encyclopedia/getting-your-car-back-after-repossession.html

http://www.nolo.com/legal-encyclopedia/the-bank-repossessed-car-how-much-time-i-back.html

from the FTC - http://www.consumer.ftc.gov/articles/0144-vehicle-repossession

[ashling]

11. Thank you Kali

Everything will work out somehow ... at least that's what I keep telling myself

[Baitball Blogger]

9. I'm so sorry ashling.

[fizzgig]

10. ah shit

i hope you can get it settled quickly and easily.

i'm sorry you're having to deal with this.

[BlancheSplanchnik]

12. I feel for you, too.

Out in the boondocks with no car=not good.

Hope just what you need at the right moment happens.

[ashling]

13. What pisses me off even more is that

we just had the car inspected and an oil change...at least we have not paid them the $400 we had planned to pay today. The loan officer talked with a VP and the CEO who determined that we would need to pay it off in order to get it back.

So today we are going to look for other vehicles.

The Good news is that we never got the windshield replaced after getting smashed by a golf ball in the spring.