
I bought a Tacoma for work because I let my father in law talk me into it. I was able to easily afford the monthly payments but the job I was at went under.
Now I work from home but for $5 less an hour. I owe 35k on this stupid thing but I can only get 22.5k at the dealership or maybe 30k if I private sell. The issue is I don’t qualify for the loans I would need for the remaining balance after the sale.
I really really don’t want to default on the payment cuz I know it will wreck my credit score and I don’t know what my payments will be for the balance left after they auction it. Any help or advice would be much appreciated
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