conversation: User (skauffman): "So I have around 5k in credit card debit, split between 3 cards. Nothing too major there. My problem is I'm financing 2 vehicles, paying 210/month for an 08 ford focus and 315/month for a 2011 chevy cruze. I bought the focus for my fiance, since she was under 18 at the time and... you know... for love. \n\nI also have student loans (only $50/month), a personal loan I'm paying off ($75/month).\n\nI've been having trouble making payments on the cars for awhile and luckily I just got a better paying job in which I had to move across the country for. So my finances have been hit with that expense as well.\n\nI'm about 2-3 payments behind on both cars and I found out yesterday from my parents that a towman came to repo one of my vehicles (only I wasn't there obviously because we moved across the country). \n\nI don't know what to do. I'm way underwater on both cars - of course. They want me to pay 600 right now and then 300 after that to stop the repo but I just don't have the money. I'm still waiting to receive a full regular paycheck from my company since I just started last week.\n\nIt's only a matter of time before the other finance company wants to repo the Focus as well.\n\nShould I do bankruptcy? I don't know how I'm gonna stop the repo. Payday loans aren't possible since I haven't lived here for 3 months yet. Already looked into it. \n\nLuckily I'm only 2 miles away from work in Las Vegas, so using a bicycle for commuting is 'possible'. I still haven't shipped the Focus across the country yet. So if repo'd, I'd be without a car."
  Self: "&gt; So I have around 5k in credit card debit, split between 3 cards. Nothing too major there.\n\nYour real problem is that you have no control over your finances. Taking out loans for two cars when you have student loans, a personal loan, and credit card debt is completely insane. The fact that you think 5k in CC debt is "not major" is evidence that you need a reality check.\n\nWhy do you want to stop the repo? If you moved across the country and your cars are still at home why do you care if they repo them? A repo is less damaging than bankruptcy."
  User (skauffman): "I drove one of the cars across the country, so i have one. When I meant the credit card debt was nothing major, I realize how silly that sounds. I just meant nothing major in this context because the main problem of my post is the situation I'm in with my cars being repo'd. \n\nThe only reason I want to stop at least one of the repos is because I need  a car for basic necessities - getting groceries, going to work, etc."
  