What can you do if you are struggling to make car payments and are 30 days behind and you did have a co-signer but you can't afford the payments anymore?

If you need the car and the money situation is temporary many companies offer payment deferment which could buy you an extra 30 days. Otherwise see if the co-signer wants to take over, at least give them the option since both of your names are tied to the vehicle and a repo. Will affect you both.

New Answer Headline Call the bank or finance company that is holding the note. Trust me, they want to work with you. Get the 30 day paymant deferred to the back of the note and make an arrangement.

How long have you been paying the note? Based upon the number of payments left, your credit, etc. You may be able to refinance the note with another bank. I know that Capital One formerly had a program for this.

Do not just sit on your hands. Answer If you have a co-signer, the company will go after that person, as they are legally allowed to do. If you haven't yet notified your co-signer of your financial struggle, you'd better do it soon.

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