What do I do now!?

[kristy319]

It seems like everything is falling apart! I finally am getting help with daycare assistance (applied 3 months ago, finally processed, and was only making $14 a day after daycare expenses), child support finally kicked back in after months of no help, but it all seems like its a week too late. Just got a notice saying I have 2 days to come up with 400 bucks before my car is repoed. My accounts already negative, and no one to ask for help! Just a great big FML situation. Sorry had to vent and any body around here would just chew my ass for being irresponsible when actually I've done everything I could with 2 young kids that only have me as an actual parent.

[ckmom2013]

Aww the car people wont work out a deal with you?

[kristy319]

No. I've tried. Won't even let me come up with a partial payment until I can find the rest.

[Mommyto2LilMen]

Oh no, so sorry....good luck

[Braylen1215]

How many months are you behind on your car payments? If this is your 1st time being late, you can apply for an extension. (Legally, they cannot repo unless you're 3 mons behind).  If you work, you can take your W2 to a loan company to apply for a loan to pay the car note and let them deduct the amount owed when you get your refund. Hope this helps.

[HyperMom38]

Have you tried temporary assistance through DSS?  They might be able to give you the 400, but you will owe it back and they will have a lien on the car until you do. 

[HyperMom38]

Another idea is to do your income taxes through one of the companies that offers a same day check- they charge an arm and a leg to file your taxes but it would save you all the months of payments you have already made on the car as well as your credit.  They may even let you pay their fees right out of your tax return.  I think H&R Block is one of the ones that offers same day tax refund.

[PoplarGrove]

I'm so sorry.  That royally sucks.

[conniejo75]

Not true. A bank can repo anytime u are more than 30 days late. Especially if a pattern or you are considered high risk of default (ie bad credit)
OP: I agree with others try to do a tax return loan or cash advance to pay. I do not normally recommend that since they are a rip off but desperate times....

Quoting Braylen1215:

How many months are you behind on your car payments? If this is your 1st time being late, you can apply for an extension. (Legally, they cannot repo unless you're 3 mons behind).  If you work, you can take your W2 to a loan company to apply for a loan to pay the car note and let them deduct the amount owed when you get your refund. Hope this helps.

[kristy319]

My taxes have already been submitted through a free program at the workforce center in the area. I am 2 months behind (plus penalties and such) because I had to pay daycare and provide the basics (food, diapers, gasoline). Only thing I could do is a payday loan, but then I wouldn't have enough for my daycare the following 2 weeks after you add in interest and such.

[sunshine389142]

This isn't going to help with the car situation so much, but it sounds like you should look into possiby going to a food pantry or something like that when things are really tight if you qualify.  That would at least help out a little bit with the food part of it.  Also, here there is a program called WIC, they give you checks for food and probably have some resources to get help with diapers.  I assume you have already applied for assistance with food stamps....  Again, I know this doesn't help with the car now...but for future when you know things are really tight its good to know what resources you have available that will help part of your expenses.  Good luck with the car.  Hopefully your tax return will come back fast!