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Negotiating payoff on a car loan

Submitted by J Davis on Fri, 09/10/2010 - 12:54
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I am down to the last 3 payments on my car loan. There are substantial late fees attached due to my past financial issues. I am wondering if there is any way to negotiate for a lesser payoff? I'm only looking to reduce the late fees. Not sure if there is a fairly good way to approach this with them. Any ideas or advice would be most welcome.

Thank you,

J Davis