My car was totaled in a hit and run. After my insurance paid Capital One over $10,000 I still owed $8,000. I made payment arrangements to pay $250 monthly. After making payments that totaled $1100, I told them that I could only pay $100 due to financial hardship. I told them that I will be going on maternity leave and I do not get paid for all the time I am off.
I also told them that paying them $250 a month is stopping me from buying a reliable car. I'm currently driving an $800 car that barely runs. They said that because I can't pay $250, my account would incur $90 a day interest.
They said they would only stop the interest if I can start sending $250 a month instead of $100. Can you believe that? That means I will be paying for a car that I don't even have until the day I die. Can someone give me some advice, please?
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