Auto Financing

by Sandra
(Hazel Crest, Il)

I bought a 2002 Ford Explorer in 2001 when they first came out. I was working then. The trouble started when I bought my first home and got behind in my mortgage. I had to then file bankruptcy (chapter 13). My job started downsizing as I was having my car payment taken via payroll deduction and the attorney advised me that I would have to put it in the chptr. 13 and I did. But after I retired due to downsizing my bankruptcy was too much for me to keep up the payments. I re-filed and tried to get them lowered. I was once again in a bind and had to let the bankruptcy be dismissed. I was under the impression that the vehicle payments were being made and then I found out that the plan was not paying the finance company but the finance company told me that they were going to let me get into a payment plan on a loan that is now 10 years old. I don't know how much the bankruptcy has paid into the finance company and now I am trying to make the payments but am having a hard time. I am on a fixed income and cannot seem to find a job, and I think they are saying that I owe more than I do on the auto. Is it some way that I can have the finance company re-finance my loan or what should do with a 10 year old loan that should have been paid off. I need help badly. I have now resorted to getting payday loans because my credit is bad due to the bankruptcy.