Well about a year and a alf ago i had a good job, i was a fulltime student, i just needed a car. I didnt have the money for a good used car and i couldnt borrow it so i did, what i thought, was the next best thing. Take out a loan. Little did i know that I would lose my job 8 months later and then not beable to afford the Insurance. Living in Jersey, insurance is up there.....way up there, So i couldnt pay insurance, then it came to the point where i couldnt even keep yp with the loan payments.. Now here i am in desperate need of help before all my credit falls apart.