I owe $15,000 of loans for a car i no longer have

i owe $15,000 of loans for a car i no longer have

how do i motivate myself to work for money that i see no benefit of?

over the next 4 years, i'll basically do a year of work for free

>over the next 4 years, i'll basically do a year of work for free

Why would you get a car for 15k. You can't even afford it. You stupid fuck. Buy a used car for 3-5k.

it wasn't a bright move... thank you for pointing that out

You no longer have the car because:
a) you crashed it
b) it got stolen
without comp/collision insurance. Correct?

To answer your question, how's your credit rating? What are your plans in life?

I can't bro. Only thing I can tell you to do is rack up a shitload of credit card debt and then file bankruptcy.

yeah, it's just gone and i'm left with the money to pay

credit rating is fine, my plans in life are to buy a house, etc, which i now can't afford to do until the money is paid back... 4 years of empty payments is no fun

this is honestly ur best bet you aint buying a house anytime soon nigga

except when you take a loan on a vehicle you are required to get full coverage which would have both comp/collision

right this story does not add up at all

Kill yourself, you are so stupid and worthless to owe such an amount on a car you didn't even properly insure or which you wrecked due to alcohol or drugs and thus didn't get insurance money.

idiot

Dump that debt into mortgage when u buy a house user. In the mean time keep chipping away at it. People with student loans more than that do it all the time. Just make sure your credit is good

story?

If you took out a loan on a car and no longer have the car, then don't fucking pay, it's not like they can repo it.

Just use that opportunity to establish good credit. I did the same thing years ago. But only half as much but I'm in a house now. There's alway a brighter side

Well there's your motivation.

I spent 5 years looking at house. Take your time

So you're making $15k/year and you bought a $15,000+ car and you didn't have insurance on it?

You're fucking retarded

There are scenarios where it does:
>which you wrecked due to alcohol or drugs and thus didn't get insurance money.
>stolen by someone he can't report because he's into something he shouldn't be, like his bookie

That's where I was going to go, but user says he wants to buy a house, etc. So he's going to need his credit rating. There's freedom in losing your credit rating, but you only get to do it once.

best anons

>taking 4 years to make 15k
>why should i have to pay for things I bought and fucked up

maybe you shouldnt be such a fuck up.
Bleach will help with this.

what is this a movie plot

didn't wreck it
nothing dodgy
just poor decision making

4 years of monthly loan repayments that amount to 15k...

What car was it?

Quit being so dodgy you faggot.

What happened to the car?
Forget where you parked it?
major repair that you can't pay for?
Gave it to someone that blew for payment.

kia optima

maybe a bad one
now we're back to the story not checking out

you should never take out anything above a 3 year loan on a car.
Not sure why you wouldnt get full coverage on a brand new car either..

see this shit doesnt add up

Did it get repoed? Did you lose it? Im a car salesman let me help you user