how can I get out of high interest/car payment part 2?

Question

I would have to go to the Secretary of State and register the vehice and get my plates established with a Michigan tag but that the title was optional. I took his word for it afterall he was giving me all the details of the transaction as we went along. At the time of the purchase I thought my transaction included tax costs for Ohio, it wasn't until I returned home and tried to register the vehicle with the SOS that I had to pay the Michigan tax and register the van including the title which came to 1500.00. Ofcourse I didn't have the funds to pay the SOS that day. I told the representative that I made the transaction in Ohio and thought taxes were paid thru the transaction of the loan. She informed me that I wasn't charged a Ohio tax because on the title it had NR typed in for non resident. I didn't know that nor would I have guessed that NR stood for non resident. I had to leave and tell her that I would have to come up with the funds. I called the dealership and asked why I wasn't made aware of the NR and the whole tax thing. Why I even bothered I don't know because they said they told me at the time of... I'm sorry but they didn't and my son is my witness he was with me throughout the whole ordeal. In April I had to have eye surgery something I didn't expect and I had out of pocket costs plus I lost a whole week of work. I contacted CPS and told them in advance that I had surgery and I would be late in making the April payment. The representative sounded fair and understanding and said ok, however shortly after that the phone calls started on my phone, and I overly explained the circumstances and who I spoke with, at work - early morning and I work for a religious community that should not have to be subject to rude and invasive telephone calls. They would not stop until I sent in some form of payment which was my first pay check after I returned to work. That left me with nothing for the remainder of the week and as soon as they received the payment they began to call about the next. Because of the time frame when I was off the next payment for May came due shortly after that. I had to pay my rent which is 900 and again I explained the circumstances I was under and would fulfill my obligation to them asap. I was only one payment behind and you would have thought I was six payments behind and choosing not to do anything about it. The car payment itself is 600.00 - so between my rent due the first and the car payment due the 12th - I need at least 1500 on hand to cover both costs. My budget was okay until I was hit with Michigan taxes and surgery. As it stands the car still is not registered in Michigan because the 1,000.00 dollars I was saving to accomplish that was used to make a payment in a half on the van or else they were going to send a driver to pick it up. I have never been in such demanding circumstances as I am now with this finance company. Before this purchase I never heard of CPS and I did go to their website and look it over after I knew they would be doing the financing but it wasn't until today that I discoverd all the input and reports that your website has. I feel like it was meant to be because I was on the phone with CPS giving them the tracking numbers of the money gram I sent them for payment that I started clicking away and soon before my eyes I read all the reviews. Before I go any further I want to say that I took what measures I thought I could within my reach to ask the Michigan SOS treasury in Lansing if I could set up a payment for the taxes and was turned down. I emailed Terry Lind the head of the SOS and she also turned me down for installment payments. I went back to the SOS to see if they would accept some type of payment plan and again no was the answer. I am really stuck now and feel like I was taken for the biggest ride ever by both the dealership and CPS. I don't know what I can do if anything and I would be very grateful if anyone could help or suggest something that will address these issues - what happened to me probably happens to someone everyday somewhere and it is unfortunate.

Answer 1

That's a very long story. Your an adult, you made a bad decision. I'm not sure why you think the loan company has screwed you over. You borrowed money, you knew what the payments would be. It is not up to the dealer to know the sales tax laws for another state. He did no collect sales taxes from you because you were not a resident of the state where you purchased the car. You should have known that the sales taxes would have to be paid.

90% of what you siad in the question does not matter.

Answer 2

Stop paying for it. Live with the out-of-state consequences.

Answer 3

go to your bank and refinance it through them and just have them cut a check to the other lender...problem solved.