Should I Voluntary Repo My Car To Get Out Of The Payment?
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- Опубліковано 22 лип 2024
- Should I Voluntary Repo My Car To Get Out Of The Payment?
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You can have any car in Los Angeles “voluntarily repossessed” by simply leaving the doors unlocked for a couple hours. Problem solved.
😂 Facts!!
Just make sure to get GAP insurance first.
@@ThePeterDislikeShow If you were dumb enough to have leased the thing.
@Oya Wright There has to be some perk for living in godforsaken Los Angeles!😂
CORRECT! That's right
How to frustrate Dave in one easy step: say something using 100 words that only requires 10.
True. Kind of like how I had this roommate named Joseph and while I was dating my ex he managed to trip and land on our glass coffee table and get shards of Glas in his eye. We took him to the hospital and they asked me some questions. It was then that I realized that I didn't know where he moved from prior to living with ne or anything else about him for that matter. I had to go out of town for a week and my ex would check in on him. He got a gotton eyepatch while he made his recovery but he and my ex fell for each other when I was gone. They ended up getting married and I never saw them again. What I'm trying to say is that if it hadn't been for cotton eyed Joe, I'd been married a long time ago. Where did come from? Where did you go? Where did you come from cotton-eyed Joe?
@@jaredhammonds8255 Yes, EXACTLY like that! Thanks for sharing your meaningful story.
@@cincinnatislider lol you're welcome but it was a joke. I totally agree with you tho
Dave: How much is the car worth? Caller: Well blah blah blah
I would say the fastest way to frustrate Dave is to use the word repo or bankrupt as the solution to your problem.
24, have an Audi and a wife that doesn't work. Boy genius.
Married at 24 sheesh
She needs a job
@@jjbdbd8279 you’d be surprised. I seen people get married at 20.
@@nicholasadkins6469exactly
@@charlesandrews2513 sounds like she’s locked up an excuse early in the marriage not to work. Then a kid pops up and she’s a kept woman. 24 and you’re just out of the workforce for the foreseeable future? Over a shoulder? She can do all kinds of stuff or work from home typing and answering phones.
So proud of owning the family car out right, for 31 years. Toyota van runs like a champ still. Live like no one else so later you can live like no one else.
You've been driving the same van for 31 years?! That's awesome!
How many Miles on the van?
I own two vehicles free and clear, both worth about $15k combined.
Haven’t had a car payment since 2018.
@@absolutetruth3290 and it will never leave you hanging. No drama vehicles. Not flashy not powerful. Just dang reliable
Don't forget to give 😁 "so later you can live and give like no one else" . Haha
He should have listened to Scotty Kilmer first, instead of Dave Ramsey second. Scotty would have told him "it's an endless money pit."
I read this is Scotty’s voice haha
Indeed it is
Audi ?? That a money pit !!! He will never have enough money to fix that car !! His best bet is to leave windows open and let some steal it so he can get his money from the insurance!!!
Don’t listen to Ramsey he is a fool!!! You’re not going to get out of this hole 🕳️!!! Park that car in the roughness part of California and leave you windows open and let the Criminals help you out and after they steal it !!! Call the insurance company so they can write you out a check!!!
100%
I’m thinking of voluntary repo for my car situation. I went from making 30k to 60k. Decided to get a new car since I could now “afford it”. Car came out to be 26k. 2 months later I lost my job and haven’t been able to find anything that pays similarly. I’ve been using savings to pay my bills, but I’m completely out now. Got a job making $15 an hour rn. However, it isn’t enough for the car. I’d rather pay my rent and other utilities first.
I’m in the same boat
I had bought a 50k mustang. 915 a month. I didn’t get the promotion I was expecting. I totaled the car on purpose then I got a cheap Volkswagen for 13k lol.
@@markelraya10 LMFAO oh u are a menace. When u totaled the car the insurance paid out the full amount to the finance company or were stuck with some leftover debt ?
@@ggdatboi Yes they transferred 11k negative from my old car then added it to my car that was 40k. The I bought gap insurance and totaled it out by setting it on fire. Everything is paid and I didn’t have any deductibles cause gap.
@@ggdatboi now I have a 2016 Volkswagen that’s 12500 left. I will never get an expensive car again. I will pay this in a year. My current interest is 7.7% which I don’t care because I will pay 1k a month o pay it off. Or close to a 1k. But my car payment overall is 300.
Dealer told my car is worth $12.5K. Sold to Carvana at $17.5K. Those online car company pays good amount.
Because carvana is an online store that doesn't have as much overhead cost as these traditional dealers. Carvana is a very good deal.
Which means you could have sold it for $20k private party in a weekend.
Carmax in my experience has paid around the same as Carvana or sometimes more. He also could have just paid too much for an Audi (one of the fastest depreciating cars out there) and now it's having an engine issue as well
@@edhcb9359 Selling a 20k car is gonna take you more than a weekend
Took me two hours to sell my truck to Carvana for $5500 more than I paid three months,earlier. 30 minutes of paperwork and the rest to dropoff the truck. Easy process.
Yeah, they give him 13k, and sell it for 22k.
They factor 5k to fix check engine light too. Bad move taking it in with that to begin with.
@@666dynomax Why not just check carsales etc to see it's rough value? It's like, of course car yard are going to try pull down your pants and spank you...
Dealers and such use wholesale pricing, not KBB, etc.
It is way too hard to make assumptions without seeing it. CarMax actually sells off volume. They don’t make as much per vehicle, as people think. Yea, If it has damage and a check engine light, That is going to significantly reduce the price. Especially on a luxury car. They can be crazy expensive to repair.
When I was young, my dad told me something that was told to him. "There are three types of people. Those who make things happen, those who wait for things to happen and those who wonder what happened". Get off your ass, get your wife working and make it happen. You don't need Dave Ramsey, you need a change of mindset.
So he does need Dave ramsey then
And ill go with theres two type of people worriers and warriors
I have shoulder problems (need surgery) but I clean houses, assistant teacher, I sell Avon and the crafts I make. So, she definitely can work.
She found a simp so why work
Selling Avon isn't a job. It's a hobby that costs more than it makes.
@@fhuber7507 I remember being a kid and the Avon lady would come to our house and sell my mom stuff. They're still around that was probably 30yrs ago now.
@@stud6414 A normal person would still work, because of integrity and accountability. I realize not everyone has those traits, but it would be best to find a partner who has them.
Who buys Avon 😂
He bought an AUDI as a broke person! Never buy a European car unless your pockets are deep!👎🏽
My pockets are deep and I still wouldn't buy an European car. I guess that's why my pockets are deep
@@musicpro7278 Smart man! 👍🏽
Why german cars have bad resale value...they are expensive to repair.
@@markg999 because they have to ship the parts from Europe and the way the cars are designed are hard to work on
@@markg999
over engineered, hard to work on
Dave thinks fixing the engine in an Audi is $500? Lol
Drop in an LS for $500 and a weekend of work.
that will just cover labor at best
Probably a coil pack. 50 bucks
Audi's are super expensive. I had a Transmission slip in mine and they wanted 2k to fix it lol 😆 I let it go. I got a Mazda now, runs alot better
I did a 60k tune up on my wife's car. It costs $600
Took a LONG time to get to the point.
It’s crazy how many people just take their cars to dealerships and the number they give them is how much it’s “worth”. SELL PRIVATE PARTY
im looking to sell my bmw its worth about 21k and I owe 25k. how should i sell privately for such a large amount
@@alexanderf4508 let me know if you find an answer
@@alexanderf4508 you need to cover the $4k only way to sell
She can get a non physical job. Phone work is great for those with physical problems, cashier possibly, walmart greeter. Blue book the car, Edmunds, something. You will always get swindled whenever you try to sell a vehicle to a car reseller.
Probably not a Walmart greeter.Thrir hiring policy has changed.They got in trouble for failing to be accommodating for ADA..so they now hire more able bodied applicants.
Her shoulder comes out of the socket. She would probably have trouble typing.
@@sarahobrien3379 o.0
He's not REALLY getting "snookered". Its a 7 year old European car. Those drop in value like mad. They break down every time you sneeze. And everybody knows it.
Agreed, I had broke friends in the past who bought Audi’s and BMW’s and I told them that it’s a bad idea, but they wanted to look cool so they did it anyway, wasn’t long before they regretted it. Only fools buy used European luxury cars.
Exactly, people who buy them don't understand that they are cheap as they age because they are expensive to have repaired.
@@jkneeland89 European cars are the ONLY car that I would say you should lease if you want one just because you don't have to worry about getting it sold after the warranty is done - its already precalculated and even if the value is lower than anticipated because the car ended up having all kinds of issues - NOT your problem. However, a prepaid lease so you still don't have a car payment.
That's if someone is going to go European. I would go Lexus or Acura if I'm gonna do luxury. Even if I'm wealthy, I'd like the OPTION to keep the car.
Lol read my name I get it
Thank you
A $13k Audi is not a nice car. And they depreciate so quickly that it doesn’t take rolling negative equity into the car for them to become so underwater.
A $13k Audi a few years earlier was a $25k+ Audi. Avoid german cars they are money pits typically.
@Marty Yo 013 True of literally any car.
@@seventeen9718 not like a German luxury car
“Light it on fire” 🤣 that’s actually the best way to fix his situation.. if someone steals the car and burns it, hypothetically speaking 🤫
A bad shoulder does not stop you from working. It sounds more like a couple kids looking for an easy button.
We just sold our passenger van for $10k more than what we bought it for a year ago. Then we used the money to buy an older, less fancy passenger van with cash.
Which van did you end up buying? And from where? 🙂
Well played Krista! That's how we rolllll
Bull
How dare you make a wise financial decision?! That's not the *American Dream* :)
@@carsondwayne Disgusting PROFITEERS. Ruining a good country.
Going through this can't wait for the insight
Just detail and fix everything you can on the car. If you go through that effort it automatically boosts the value of the car.
I had 3 car notes at one point, worst thing I ever did. I wasn't making as much as I was before to be able to afford the vehicles. Luckily I didn't get any repos. I ended up selling my Daily driver and paid 1k out of pocket. My other vehicle got totaled. And I only kept one car (which my mother drives, as she cannot afford a vehicle and is my gift to her to have something reliable) and I got myself an old 1988 civic (I've always been a mechanic so fixing/repairing is not an issue) sometimes things just play out, but I refuse to get a repo on my credit.
“I’ll be honest it [the car] was a little bit fancy.” If you’re thinking of a voluntary repo it must be A LOT fancy.
Dave’s reaction at 2:20 is priceless 😂
Still driving my 2005 Toyota Sequoia.
Depending on the model and miles of the Audi it could well be worth 13k
As usual Dave is an expert on everything he obviously knows nothing about German vehicles and how expensive they are to fix
Exactly. And Audis have massive depreciation in a short time frame
It’s okay to use commas when you write a sentence.
500 sounds like a part alone. They know about it they just act clueless for the sake of the show, they're not ignorant.
Cars are all expensive to maintain correctly.. I have an Audi that runs great in the 5 years I have owned it,and I always make sure it is roadworthy by regular maintenance.
Shame cause an audi is like my dream car 😂 deffo not going there
$4300 a month in Cali is rough
I don't know how they just deal with it and don't think of moving out. Easier said then done, but not once did he mention of a plan going forward or how to better his situation. 4300 gross pay anywhere in most places can be tough especially Cali
@Veedo well you need to move to Cali then
4300 gross at that!
5:24 This is why you avoid a repossession at any cost, ‘voluntarily’ or not.
I’m in a similar situation right now. I was biking everywhere and had a paid off motorcycle as well. Finances were going well and I decided to finance a car with $0 down. Having an issue with the axle now on a fancy car and I’m thinking about getting out of the loan and going back to cycling again. I’m blessed (and cursed) with a situation where I have housing for free and live across the street from work. Trying to figure out how to get back to winning financially.
Warranty is so important when financing German cars
@diegohenaohenao3569 warranty is a rip off, just take care of your car. The mistake people make is they never pay attention to services and maintenance and make things worse for themselves. Now they gonna sell that car to somebody else who would have to deal with those issues cause the previous owner was negligent. That's why these cars get bad reputation.
Anyone who bikes around was never winning financially.
Your mistake was not buying a reliable brand. If a Toyota was not nice enough for you you should had gotten a Lexus.
@@evoman44 Nobody remotely in need of financial advice should be buying any luxury car, period. Arguably not even a used one as a beater. They don't have the economies of scale to have experienced technicians and aftermarket parts supplies. You need need an old grandma Buick, an old Toyota Corolla or Camry, or old Honda Civic or Accord. Nothing more until you have your first million (or two) in investments.
Thanks for everything dave ramsey 👍
Oh I really enjoyed this episode. Thank you so much for explaining the process.
What if you have a used car and the transmission went out 1/12 months after you bought it? It came with a service contract that covers the powertrain and transmission but the part that is broken in the transmission is not covered?
I have the dame freaking problem…!
Brevity is a virtue.
Go Gazelle Intense!!! You most definitely will feel better when you do!! Y’all got this! Especially being so young! What a blessing 🤩🤩🤩
German cars tank in value. It probably is worth more than $13k but probably not that much more.
His wife clearly doesn’t want to work
You never know. Maybe she doesn't understand what she could still do.
Or maybe he doesn’t want his wife to work. You do know that some men still believe in being the provider for their household.
I would trow the wife out if she doesn't want to work
@Oliviasblessed he can't support a car let alone a lazy wife
@@Oliviasblessed if she's able she better be working, everyone has to work especially that young and no kids, me and my girl hace 2 kids so rn she stays at home to rear them but a young couple with no kids? Psh both yal better be working because that's dead weight
Thank you guys
2015 audi stutter issue. Cel light. Get valves cleaned. Don't go to dealer. Alot of euro shops do walnut blasting cleaning valves. Check spark plugs and coils as well.
Get your shoulder fixed, and put her to work. Mid 20's, thats a long time to go with a bum shoulder.
He's lazy
@@pjdurkin8582 It was the wife who had a bum shoulder and "can't" work not him.
@@beckyshell4649 oh. Well many us still work with "ailments"
I feel bad for the guy. His wife is prob one of those people that blames everyone else but herself. He has a lifetime of issues with her. He doesnt have a car problem, he has a wife problem
Why trash the wife for being disabled??? She could work from home probably.
@@spiritualcosmeticss if it was the guy I would have said the same thing
@@spiritualcosmeticss
People are creative now with their interpretation of being disabled.
Some will find a job and others will play victim with excuses.
Voilà
@@spiritualcosmeticsshe trashed her as a person. There are many people who claim disability. Like you said, she can work from home. Or paper pusher ( accounting) ,recon, HR.
I know someone who claims he’s legally blind, that’s why he can’t work at all. Gets a government check. A good amount. Yet when I go over his house, he’s playing video games. Online multiplayer, he’s decent ( not better than me though, sorry had to throw that in there 😂).. I don’t see him running into walls, missing corners, missing that tiny dot on the map
Please get to the point caller.
Take the car to auto zone they will run a scan tool on it for free to see why your check engine light is on
@@briankrouch430 haha
Auto zone and Audi should never be in the same sentence.
Those scanners aren't good you need a legit one at a service center to really know the issue...its probably complicated issue being an Audi
@@markg999 not necessarily just grab the code and leave or better yet spend 30 bucks and get an ob2 scanner or whatever port the audi uses. typically code readers can read check engine lights and if its something like an air filter you will be able to tell just through that. if its something more like it sounds like this guy has some kind of fuel injection problem or something having to do with low fuel pressure, the ob2 scanner will point you in the right direction. typically dealers will charge hundreds for diagnostics you can do yourself
@@stevencamacho6474they charge as much because you are paying for the experience and equipment. The proper computers ain’t cheap. Any decent technician will take your paperwork of codes and use that has scrap paper. They always plug their computer in to get their own codes so they can see themselves what’s going on. Pretty much incase it’s made up, got wrong diagnoses , etc etc
Great advice!!
I’m in this exact situation!!! I’m soon to be married and I made an unwise decision to get a Mercedes in 2020 that I honestly couldn’t afford, and now I’m assuming more responsibilities. I’m thinking of doing a voluntary repo. I don’t want to but I really feel like there is no other choice.
Did you do it? I’m thinking about doing it
Same boat . What did you guys do ?
@@keakey18 No, I still have it. I’ve heavily weighed my options. I have 1 year left on the lease, so I’m just going to ride it out. I’ve been praying hard about my situation. I decided to go get a new Toyota Corolla and just drive that and park the Benz and maybe drive it every now and then. I pray that someone wants to drive it for a year and make the payments, but if not I’m being blessed to take care of it.
even if you do repo it, they are still coming after you to pay for the difference. Don't repo it. Just sell it on the private market or talk to the lien holder.
@@christiansoto9755can you pay that difference over time ? My car was repossessed my plan was save up the would be monthly and cash out on a vehicle then pay off the difference over years
She can work. She can do customer service or another easy job like say welcome to Walmart all day
😂
I am the proud owner of a 2013 Kia rio. I could care less what anyone else thinks of it.
You have to admit the car is pretty hilarious. Also, the phrase is "couldn't" care less. Otherwise it has the opposite meaning of what you're intending.
The correct phrase is "I couldn't care less". If you could care less as you said that means you actually do care. Sorry it's just a pet peeve of mine with that phrase and people get it wrong all the time.
Good cuz we all think you're a fruit
trash cars
Are they reliable
500 is like a oil change price for a Audi. He’s not fixing it for 500 bucks.
Absolutely. He's got major repair which may cost four to seven thousand to repair. Car repairs on foreign cars even more expensive.
wtf maybe for the r8 lol
Sounds like a misfire. Get a good code reader and fix it. Sell it private party and pay it off. That Audi probably just needs an ignition coil.
Good advice
Very interesting question
They still want that money sell it and pay off the rest if you can
And wife can work she’s not on disability
Don't evaluate your car by Car Max, they will rip you off
You gotta run! My god this is the way.
@Pinnedby Dave Ramsey show◽️ What do I need to do?
Since the man said stuttering im sure it’s a misfire and Abt 500$ would be the price to have that fixed at a shop
What got me was that his wife hurt her shoulder so she can't work...what a load of bull.
There's ANOTHER book out--the so-called 'blue book' that says the car will depreciate over time, so the longer it takes to get it fixed and then sold, the less money the caller will receive.
My wife just got hired on with Kaiser Permanente. Her medical insurance is free. She adds me on for $150 a month. Best career move she ever made.
That is pretty comparable to most medium to large companies. I actually pay less.
I'm interested!
$150 / month is expensive isn’t it
It's sad that in the United States one has to look so much at medical insurance when it comes to choosing a job, rather than just the job itself. So glad we have universal health care in my country so I do not have to worry about what type of medical insurance my job has or my husband's.
Kids names Seth:
John: "DONT BURN THE CAR STEVEN"
I'm not buying the shoulder thing. I've seen plenty of people who work with one arm and many other disabilities.
My car got repo 23 years ago, now they want me to pay 5000 dollars, can they do that??
My next door neighbor is his age and has an Audi. I never understand how he can afford it since most of his life he had no job. I assume he is same as this guy.
I will also echo what he said. The Ramsey show is inspiring
Can you ask just question without the whole life story
Then you will never get the proper answer
I dont remember the last time I heard TWO people make something so simple so incredibly complicated
Finally, there is nothing wrong with east way out
I bought a 97 ranger for 200 bucks. Odometer stopped at 500 thousand miles been driving it for 15 years.
Thats crazy
When he asked dave how he was doing I thought dave was going to say better than you 😂
It sucks when lifes good when you get the car then it goes downhill a year later and are struggling
A check engine light on!! Good luck selling it for 13k. NO ONE wants a check engine light! Period.
check engine light isn’t really bad unless it’s flashing
Is it better to do a higher monthly installment on a car or to safe money separately and settle with a lump sum?
Most auto parts stores will put a code reader on your car for free its possible its just something simple and a easy fix
Do you have full coverage insurance? Do you have GAP insurance? Do you have a Helmet?
😅
These guys are are literally saving you bro 🔥🔥🔥🔥🔥🔥
Have a Durango 2020 sxt
Paid it for 3 years. 900 a month and that’s without insurance.
1100 with insurance total.
I still owe 4 more years on said vehicle. I’m the secondary signer for the car my mother is the primary.
She got ill and is now unable to use the car and I don’t need it as I have a car.
How bad will it affect my credit to just have them repo it.
A car dealer is not the place to ask the value of a car. Look up the value in the Kelly Blue Book.
Used car + cash = problem solved. 😁
Carmax will normally only give you trade in or close to trade in. That's not the place to sell it. Find used car dealer to help you sell it on consignment to get the most as possible and you cover the rest if it's any
What any dealer (especially Carmax) will give you is always a poor idea of an automobiles worth. And if he owes $22k, I doubt he will get more than $15k - $17k selling it outright. Used cars are NEVER worth what you owe on them unless you make a BIG down payment, like 30% - 40%, and don't drive it a lot.
AND...driving with the Check Engine light on could cause serious (expensive!) damage. That's a dumb thing to do unless you're driving a hooptie.
Leave the wife. Problem solved.
🤣
Sell the wife
I have a 2019 BMW M2 Competition, I owe 66k, tried trading it in and every place I went to said no unless I bought a car that was more expensive than the offer they will give me (41k). They want me to roll over the remaining into a 31k car and be in the same position I’m still in. Makes no sense. I was looking at a 2017 BMW X1 to trade down to and they said no
Depends on whether or not you want to retain your credit rating, how well you like the car, hate the car or whether or not you have a job to make the payments ? Personally, I'd advise against going to a dealer or a car lot as the sheep are being fleeced and taken for a ride without a car or a seat to sit in. Buy a good used car, have a mechanic check it over, compression test, kick the tires and give it his All State bill of approval. Use the money you save on future insurance costs, repair costs and whatever it costs for your wife to keep driving in a demolition derby.
The used market for an Audi out of warranty is never good. They are known as unreliable, super expensive to repair,and ppl are scared to buy one out of warranty. It has en engine light , 500 dollars would even pay for a diagnostics on an Audi ! It’s probably2-3x at the shop to fix it and 5k if he’s lucky . This guy would be fine if he got his wife to go to work 20-30 hrs a week for home, a bum shoulder socket is nothing compared to what some ppl work with every day.
9/10 it's the notorious vw 2.0 tsi motor easy fix it just has carbon build up until they finally fixed it years later.
Get your bill in the mail. It says coupon on it. Endorase the back and write in the amount. Its a live Money Order. Dont send a check with it. That would be double dipping.
This is like asking if you should get arrested and go to jail so you can get rent-free shelter.
as soon as he said Audi was luxury, I automatically knew he iwas in his 20's. Sure hope he learned this phased mistake!
he's possibly right ....Audi AG (German: [ˈaʊ̯di ʔaːˈɡeː]) is a German automotive manufacturer of luxury vehicles headquartered in Ingolstadt, Bavaria, Germany. A subsidiary of the Volkswagen Group
New thumbnail font new me
Pay your bills. You took out the LOAN, and you need to pay that back
There's plenty of part time jobs.get one pay it off
Pay your bills? But who's gonna pay my student loans too.
You mean like Dave Ramsey who declared bankruptcy?
@@jdp486 bruh, that was decades ago before he knew better.
That’s going to mess up your credit
I’m 24 lol and just sold my 2015 Audi A4. Quite a bit different than this caller since I had equity in my vehicle.
Take it to an independent VW mechanic and have it fixed.
An unstable shoulder is NOT a disablity. If it is, then apply for disability and get some money in.
Running a cash register should NOT cause an issue with an unstable shoulder.
Banks should not let you apply for loans where the car is going to cost you more than 10% of your income.
I go to 3 car auctions and the credit unions sell the cars cheaper than wholesale.
Can someone please help me understand. Who buys a car of 10k of more from a private seller? I never understood that. Dealership yes but who is regular life?
Dude is exhausting.
A hurt shoulder 😬
$500 to fix an Audi. That might get your oil and transmission fluid changed but if any moderate repairs you are looking at thousands and good luck finding the right mechanic. When my cvt transmission went oit two mechanics told me it's not worth fixing 😂 It's over when even a mechanic tells the truth about your vehicle
I’ve done 6 voluntary Repos and was able to dispute every single one off my credit.
How?? Please explain to me how it works because I want to give back a finance vehicle but don't want it to mess up my credit though my credit it below 500 😢 advice please
How?? Please explain to me how it works because I want to give back a finance vehicle but don't want it to mess up my credit though my credit it below 500 😢 advice please
how?
Bro thinks he can fix a clapped Audi for $500 and the value goes up $7,000 😂
There is a phrase in the Mexican Hispanic community that goes like: “Ponte las pilas!” It literally means “encourage yourself to be a better person and get your act together!” Exactly what this guy needs!
Did he just tell someone to borrow money??