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Hi, I am 22 years old and I am in deep frustration. I currently own a Chrysler 2002 Sebring convertible.. I owe 11,482 on it.. it was a used car . I got it from one of those auto loan places. My note is $400 a month..how did I get into this. well, to be brief, my car is giving me soooo much trouble and I have not even had it for 9 months. I tried to trade it in but the negative equity on it is so much but I desperately need a new car. I refuse to keep paying for a car that is barely even running, especially with a $400 note and it is an 02. I feel like I am stuck and I really do not know what to do. Please help me. I cannot stick the car out because it is not even in running condition.. please please help thank you, Chelsea

Answers from the Automotive Experts

Jessie L Thatcher, F&I and Sales Specialist at Reynolds and Reynolds Company  (Retired) Unfortunately you are in a bad situation that is very difficult to get out of. Your only option is to try to work with the dealer and possibly work out an exchange. However you signed the loan and are obligated to pay the amount due. You can rarely add an extreme over value amount to a new loan because the new vehicle would not be enough collateral for the loan. It is unfortunate that you find yourself in this situation. Your only other option is to contact the Attorney General of your state to see if there was any fraudulent or questionable actions taken during the purchase of the vehicle.

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