Car was stolen a month ago. I bought it brand new & it had zero problems. Got a great rate for that car because I had good credit at the time but this time around I do not. Since the market is so bad right now, it’s looking like I won’t be able to purchase a vehicle and I will be back on public transportation. I asked two different people to co-sign for me and I’m still waiting to hear back. I have some money but I don’t want to throw every penny I have toward a 20-year old used car especially since I am almost 3 months behind my rent. I have a dead end job but I was a week away from quitting it to do gig work full time before it happened. At age 32, I have no fight or try within me after experiencing something so violating. This was the first time I felt like I had everything together and now I feel like everything is gone. I can’t even figure out what’s next. If I don’t get a co-signer then I could just get a car with high APR and put every extra penny I have into paying it off. I just cannot deal with this situation. So much of my plans got messed up all because someone thought it would be fun to wreck my car.
ETA: Yes my insurance is paying me out for the car but it still doesn’t change my situation with my credit. I’ll have $5000 to work with which isn’t even enough to get me a decent beater car. I’ve been looking…none of them are worth it.
Was it not insured?
Were you upside down on your car or something? Insurance should’ve paid you out for a stolen car.
I think a car is the least of your problems. If you’re really three months behind on your rent, you need to change your living situation fast. Move in with friends or relatives until you’re back on your feet. Eventually find a place where you can live without a car. Cars are a money drain, even “good” ones.
Bike? Ebike? I know these aren’t necessarily realistic for a lot of folks, but might get you out of a bind for now. I feel for you – right now, one of my fears is that I’d get into an accident with my older paid off car and have to try to replace it quickly in this car market.
Honestly, being 3 months behind on rent, getting your car stolen and getting out of a car payment may be a blessing in disguise. Why would you want to keep a car loan on a brand new car when you have rent to worry about?
I guess the obvious question is did you have any insurance coverage?
How far do you need to go? An escooter or ebike might be able to get you around town at 20 mph. Not amazing, but it probably beats the bus
Put that $5,000 towards your rent ASAP. You don’t want to be homeless. Ride the bus to save up $$$ and work on fixing your credit. What happened? A medical bill or something? Sometimes you can get those written off. Can you get a bike or an electric bike or scooter instead? Workout on the way to work? Can you negotiate some work-from-home?
Check with the insurance pros but sometimes you can fight insurance claims for more money. I don’t know how much they plan to give you but argue for as much as you can, unless they’re giving you the full price of the car minus your deductible.
It kinda sounds like it’s good this happened. If you fall behind on car payments, the interest rate/fees get out of control. This could give you some breathing room.
I’m sorry someone stole it. It wasn’t there’s to take. It must have been such a shock and whatever you’re feeling (loss, anger, whatever), is totally reasonable. It’s not fair. It sucks.
How did you feel your life was together when you were months behind on rent with no emergency fund?
Why did you still have a brand new car when you were behind on rent??
There are so many beater cars in Baltimore for under $5000
This sounds more like a financial incompetence problem
This is the best thing that could have happened to you. First, you’re out from under that loan and possibly the insurance payment. You also have $5k on the way, is that enough to get you caught up on rent or enough for you to secure another place?
Hey OP!
We just lost a car to getting totaled. Trying to find a replacement is almost impossible. I’m sorry you’re in this position.
First off: you need to prioritize your immediate needs.
1) food
2) utilities
3) shelter
4) car/transportation
If you’re caught up on the first two, and you’ve cut down on a much as you can (streaming, subscription boxes, etc), put the rest of your car towards your most past due rent (keeps your eviction record clear). Pay off any other past due bills to start repairing your credit.
It feels bad, and hard, because it is. That sucks. You can recover from this. You shouldn’t have to, but you can.
This is going to hurt to hear but I suspect you and others reading this post need to hear this. Your car being stolen isn’t the problem. It is simply the event which has shown you how poorly you have managed your money.
You had previously purchased a “brand new car.” In general that’s a fine decision as long as you have your financial house in order which you did not. You were working a “dead end job” which you were planning on quitting for the gig economy. That would again be fine if you were certain that you could meet your financial commitments but again, even with the car you would not have. It sounds like you were already doing some gig work while working your job and you still managed to tank your credit as well as be three months late in rent. How in the world would you make those financial responsibilities with only your gig work and without the steady income? The math simply doesn’t add up.
If you can accept all the above you are ready to move forward because this did not “ruin your life.” In fact, it might just have rescued it. You are in deep financial trouble and might soon be evicted. It’s time to buckle down and get your financial house in order. Use the $5000 to buy a beater you can get to work in and do your gig work. Get current on your rent, get out of your lease and move somewhere cheaper. Build your credit back up and either find a job you don’t hate and has upward mobility potential, or do the gig work thing but live within those means. And most of all refuse to be an indebted slave to the bank for things that don’t bring you lasting happiness.
I mean if your car was insured and you are behind on rent, this was a blessing in disguise of sorts. You are out from under that payment. You need to move in with fam and get an e bike or something.
If you had comprehensive insurance coverage, your insurance company might reimburse you for some of the value of your car.
fuck, why are you three months behind on your rent? sounds like you are living beyond your means. I’m sorry this happened to you but like someone else said…move in with a friend or relative. Get back to basics. You can’t afford netflix if you are three months behind on your rent. The library is free and has a ton of dvds. Change your lifestyle.
You should get good with a moped, ebike, or other forms of small transport. The efficiency will save you.
​
& reddit needs to touch some grass. Don’t worry about the guys who are raiding you with downvotes.
Why is your credit so bad?
it sounds like you are dealing with three issues that have all bubbled up at once: logistics, finance and mental health. It’s scary when one big thing can seemingly upend your world. catch your breath. even if everything seems urgent, take a minute to remind yourself that this is not permanent and you will get through it.
first I would reach back out to your potential co-signers, explain the gravity of the situation, ask them if they have specific concerns that you can assuage, and offer to draft an agreement outside of the car loan.
second, find new temporary housing w a friend or family that is as close to free as possible regardless of where it is. sublet your apartment if you can so that you can return when things are sorted and don’t have to deal with moving.
look into instacart or shipt shopping gigs, as I understand those to be some of the best paid with the least gas mileage. I think you can also be an Instacart or Amazon shopper only, without needing a car (you shop orders and others pick them up and deliver).
a last resort would be to look into your retirement accounts if you have them. it’s not something anyone ever wants to have to do, but if you are aware of the gravity and recognize that you are in a temporary but resolvable position, it might be your best option for all three issues, mental health most importantly. Most of all remember that you will not be unemployed forever, you will not be struggling forever, and you will always remember how this situation changed you and shaped your future and how you learned and became better from it. Sending you a hug. It will be okay.
It sounds like you’re bummed out that you got a good deal that you can’t get any more. Without knowing the details of the deal and your cash flow, there’s nothing this subreddit can do for you.
You can get a car on the auction for 1000 another 1000 for tags and title and get state inspected
in my opinion, those co-signers should not be signing anything for you. you’re 3 months behind on rent already so you’ve showed you aren’t financially responsible at this time. don’t drag them into your mess, stick it out with public transportation until you pull yourself together.
You can def buy a good beater for $5 grand. Shit you can grab one for 3. You’ll be fine
$5000 available but 3 months behind on rent… your priorities are in the wrong place.
Catch up on rent, then purchase 1K beater. Sign up for Doordash and save for a new car when the market calms down.
You have 5000, 3 months behind rent – there is a solution.
1. buy a beater for 1000. You don’t need a new car. You can’t afford a new car.
2. Look for jobs – any job at first but then continue searching for better and better jobs. Yeah it’s hard, it’s not fair but it’s survival – work 2 jobs if you have to at first but never stop looking for better jobs. If you can afford it – work one job and do gigs if it will meet your needs
3. Look at places around you that are cheaper. Try to move before eviction filed. Don’t worry about getting your rent current if you can move before eviction is started. Rent a room in a boarding house if you have to.
4. Don’t touch that 4000 until you MUST – last resort. This is your emergency money. Live off the first job you get.
5. Do not run up additional debt if you can prevent it. Be very strict about it.
…why did you have a brand new car when you were 3 months behind on rent?
3 months behind on rent?
This is just the straw that broke the camel’s back. You’ve been irresponsible for a while and now the consequences of your actions are catching up.
Learn a [trade](https://skillpointe.com/news-and-advice/24-highest-paying-trade-jobs-no-bachelors-degree-required). Been in the gig economy route. It’s ok to get by but by no means is it a career. Also, look into [E bikes](https://www.youtube.com/watch?v=DOsAbnvQ26E&ab_channel=BrettConti). You can do food delivery with them and you don’t have to worry about insurance, gas and maintenance that comes with owning a car. You just have to find ways to secure your bike since they are easier to steal.
I am so sorry this happened to you OP. Right now, pretty much anyone with a car that is not brand new is screwed if insurance totals it. With the used car market as it is these days, there’s no way you can come close to replacing a totaled/stolen car with a comparable vehicle for the insurance value. Maybe try negotiating with your insurance company for a higher value, or see if there are any “victim” recovery funds in your state you may qualify for?
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