Well Dave it sounds like you have the right attitude. She has got to want to help herself before you can help her. I'm not sure how in the world you can owe $20,000 on a 2004 Honda but I guess anything is possible. Either she bought the top of the line Honda and financed it for five or six years or something fishy is going on. She may have rolled the payoff from her old vehicle onto the new car loan. That used to happen a lot. I suppose she may have found someone to loan her money using the car as collateral but then two different people would want the title. If you want to help her sit down with her and be brutally honest and insist that she tell you everything. I suspect that the car is just the tip of the iceberg. There is help out there in the form of debt counseling services. I know I have been there. We were fortunate to get hooked up with a very good company that set up a plan and within three years had us out of a very large hole. It is a very humbling experience, but it saved our bacon and forced us to make some very big and rewarding changes. Now, with all that said, be very careful. There are many unscrupulous companies out there that will only get you in more trouble. The first step is for her to admit how much trouble she is in. Then she needs to make a plan, perhaps with help from a professional. Then she needs to implement the plan and stick to it. Without knowing her situation it may be possible that personal bankruptcy is her only option. Good luck Dave. Keep us posted.
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Today's Featured Article - History of the Nuffield Tractor - by Anthony West. The Nuffield tractor story started in early 1945. The British government still reeling from the effects of the war on the economy, approached the Nuffield organization to see if they would design and build an "ALL NEW" British built wheeled tractor, suitable for both British and world farming.
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