I Woke Up And My Car Was Gone!

[Music] brought to you by Xander Insurance identity theft protection isn't a luxury in today's world it's a necessity get yours at xander.com i woke up this morning and my car wasn't in my parking spot what we possess yes what no behind on payments hold on Robert hold on Robert speak clearly into your phone we're having a hard time hearing you like maybe you're muffled so let's try a different angle i was about to say um can you hear me now that's a little bit better so you woke up this morning and you look outside and the car is not there yes was this a shock to you was this shocking or did you expect this yes it it was it was very shocking so there was zero communication beforehand that hey you're behind on payments you don't catch up here's what's going to happen yeah they didn't tell me that I was behind but I knew I was behind for sure but I didn't know they was just going to come and take it how long have you been behind on payments uh they say about 94 days okay well I mean they can come take your car at any time once your loan becomes delinquent so uh it's it's not a giant shock if I'm going to be honest that you stop making payments you don't own the car they do and so the good news is this just happened today yes okay so there's there's still some moves you can make to get this back but we got to make sure that you have the money to do it it sounds like you are beyond paycheck to paycheck how much money do you have uh right now currently yes about 500 okay now was there any personal items in the car for sure yes okay you can get your personal property back and they can't charge you for recovering your stuff okay so do you know where the car went um I called the the finance company that I got the loan with and they told me they gave me the number and the location I could pick it up and went ahead and request for them in so I can get those items okay so then the next step other than getting your items if you can do this this is the best move is to reinstate or pay off the loan obviously you can't pay off the loan but to reinstate it you would have to pay the past due amount on the car plus any fees which would be around $3,000 okay so now we know it's $3,000 and here's the deal you usually have about 10 to 15 days to do this to catch up uh otherwise they're going to sell your car at auction to get what they can for it and then you'll owe the difference okay what was left on the loan 165 okay and if they sell it at auction it's not going to be you know market value and so you likely will have a pretty big gap that you'll owe so I'd rather you see try to get this thing reinstated in the next 15 days but that means you got to come up with another 2500 bucks in 10 days these days it's not if your identity gets stolen it's when so you need ID theft protection from Xander they monitor your personal info proactively and alert you of any suspicious activity including home title fraud then Xander takes care of everything including up to $2 million of stolen funds protection and white glove service to help you get your life back plus kids are covered for free on their family plan call 800356-4282 or go to xander.com but that means you got to come up with another 2500 bucks in 10 days sounds good does it sounds doable how much do you make in a week what do you What's doable look like how are we going to come up with that can you share that i'd like to know i'm just being optimistic i mean um make $25 an hour you know uh can you work overtime can you do side gigs i mean this is like we we won't see the bed we're going to be at work so much speaking of the bed I might sell the bed yeah can you sell anything in your life i'm sure I can it's things in the trunk that I definitely can get rid of okay and I'm talking I'm calling family members cousins uncles you got some patio furniture you want to get rid of i'll sell it i'd be flipping stuff let me do that i can't hear you at all Robert you sound like you're inside of a roll of toilet paper to me that's what it sounds like no my fiance won't let me sell the furniture uh oh there's a fiance involved what's your fiance think about all this this would this would honestly give me some hesitation as my my provider gets his transportation she can't be happy right now not at all she's not She's not happy um she's kind of never been in this situation either before so it's a first for both of us is she broke too you said what happened is she broke too not as much as me not right now all right but for I don't mean this in the way it's going to sound but we got to forget about her for a moment and what she owns we're talking about what you own and what you can sell cuz you got to come up with with more than 2500 cuz the 500 you got isn't going to stretch very far for what else is going on in your life i got a feeling is there another option besides reinstating the car no that's it i mean you still owe the money my guess is your credit shot and so if you went to a local credit union and said "Hey I need 2500 bucks to reinstate my my repo." I don't know that they'd give it to you that would be a last ditch effort I would try what about a cash car no what do you mean buy a car from cash well that doesn't fix your repo problem you're going to owe all of this money unless you get the car back you still get current on payments and then you're at least the ball's in your court you could sell it private party and get way more for it and get out from under it but my guess is you're underwater on this car you owe 16 what is the car worth $4,000 there you go oh boy there in lies the problem i see what I see what you're saying you're just trying Yeah you're still going to be stuck with this debt but again right even if we play this out with your logic and your question you still don't have any cash if you buy a car for $500 that's like Fred Flintston's car all right you know what I'm saying like that's not a car you're better off getting a bicycle right how are you getting to and from work uh I'm using my car primarily i know how far how far you don't have a car right but we're on spring break so I have like four days until I go back to work well there's your next thing you got four days off you don't have a spring break you need to be working today pto put in vacation in PTO for these days but yeah now I get that i'd cash out that PTO yeah I would too i wouldn't be taking any vacation time that's the last thing you need to be doing right now you need cash you don't need to be breaking there are no breaks i would be doortodoor offering to mow lawns pick up leaves i'd be doing anything I could to make 2500 bucks in 10 days that's 250 bucks a day can you do that 25 bucks an hour 10 hours a day that's what it's going to take to get the car what was the payment on the car 600 oh and what are you making every month um about 24 u 2400 each every two weeks so about 48 42 around there 4200 a month yes and what are your monthly bills to cover all your expenses including the minimum payments on your debts oh buying probably a good 1,400 besides the car so around $2,000 so you're telling me you make 4,200 and you only have 2,000 in bills that means there should be two grand left over every month how did you get behind on payments god bless her a budget probably is missing uh a lot of things yeah but where where'd that money go what were you spending it on he doesn't know George yeah I was about to say it's it's miscellaneous things everything i'll tell you how we find out go look at your bank statement it's going to give you a little It's going to give you a little book about why you're broke it's going to tell you exactly where your money went oh Robert man this is not going to be fun it's doable it is but you got to work you got to work like crazy and we told you that for 2 minutes and you hit us with I'm on a 4-day spring break no bro this is a You got to change your whole intensity right now you are working like crazy you are selling everything i'm not kidding when I said I'd call Uncle Larry and go "Uncle Larry you got any patio furniture you don't want?" I might sell her engagement ring to get out of this to be honest we'll get her another one later whoa George sacrifice heat seeeking missile i'm just saying it's what I would do you You know what you actually would do and if she loved me she'd go "All right we this is what we got to do." Oh boy he's got no car and if he you keep this up George he's going to have no fiance the best ID theft protection is from Xander they not only monitor they help you get your life back go to xander.com to learn more