Overhaulin'

Need Help.I just bought a used car that I am not happy with. Got overcharged and bad interest rate. ?

I just bought a used car that I am not happy with. Got overcharged and bad interest rate. I jumped the gun and did it too quck. I had a car that the power steering neeed fixed, cracked windshield, trunk held down by bungee cords, and was a gas guzzler. Driving that car made me depressed. So i went to look at cars and the very first one that i test drove, i bought. A 2002 nissan sentra with 84,500 miles for $7,300. Bad choice. For the moment i felt good. The following week I scraped my 1993 Mercury Grand Marquis. Now I look back and ask myself everyday why did i buy a new used car. Bought it on August 8th. All I had to do was fix the stuff on my other car. Runs through my mind every day. Can not even sleep through the night. Affecting my relationhip with my two kids who I have shared parenting of. A daughter who is 8 and a son who is 5. Also affecting my job, fallen behind on stuff. I keep thinking that if i would of just fxed one thing at a time on my other car i would of been ok. Now i have to pay 250 a month for 4 years for a car i dont even like. I know now that the only reason i bought it was because it had power steering and no cracked windshield. I know i can not turn back time. The mercury had 111,000 miles on it so im thinking stuff is gonna go wrong with it. Always started for me. Thats why people get a new car because of stuff going wrong the engine. I knew my car. This one i dont and it has 84,500 miles on it. So all i keep thinking is what is going to go wrong with this one. I cant live with myself each day because of this very bad decision i made. I have fallen into a very bad depression. I keep thinking each day i am going to lose my job and then my kids. Then they will repo the car i dont even like driving. I need help. If i knew I was going to feel this way i would of never bought the car. I dont know what to do in this situation. I cant return my car or get my old car back. I keep thinking of how much better i would feel if i would of kept my Mercury and fixed the stuff on it. To top it all off this Nissan isnt even getting good gas mileage. I was so gullable when i went looking at cars that day. First car I drove and bought it 4 hours later. Got suckered by the salesman and finance guy. Didnt tell me 3 places turned me down. Then i had to take this insurance on the car called gap for 500.00. Sucker. Now i know why the other three places turned me down is because the dealership wanted too much money for this 2002 used car. It was a Cheverlot dealer I can not even think straight during the day. At night i will sleep for 3 hours, then toss and turn for 4 and just keep thinking about what i did. I need help. Please call me at 330-881-2473 to help or direct me to the right organization. I made the biggest mistake of my life. There is is much more that started this, but somebody please help. I dont know what else to do. I have fallen behind at work . This is not like me at all. I can just see my job flushing down the toilet. I need help. I am at the end of my rope. Yes, i do need some financial assistance. I do want to lose my kids. Will somebody out there please call me. I just need another chance to do it the right way. I have worked hard my whole life of 39 years and have never needed help from anyone. I need some now, please. I used to be a people person at work, now i shy away from them. I was not in no position in my life to buy a used car. After it is all said and done this car with 85,000 miles on it will cost me 10,500, unreal. I am so mad at myself. I need a miracle. I have even thought of losing job and losing everything. I have fallen into a major depression and dont know what else to do. I have withdrawn myself from society.

Public Comments

1. If that was the biggest mistake of your life, buying a reliable, economical car for $7500, then you must have had a great life. I wish the biggest mistake I ever made was one like you made.
2. Ok... hold on... breathe. Relax. This is not the end of the world. You are not going to lose your job or your kids over this car. It's a car. Nothing more. First, about the car. According to KBB.com the value of your Sentra (if you have the base version) is about $7900. So, you actually got a good price on the car. If you got a higher trim model , like the GXE, you're even in better shape. Second, gap insurance protects YOU. Basically, it's insurance that covers the difference in value of the car, and the loan. If your loan is for $8000, and your car is worth $7000, if you get into an accident, the gap insurance will cover the $1000 difference. You NEED that. Third. Look at this realistically. Yes, your mercury was a good car. But you've sold it. The sentra is also a good car, and it should be getting good mileage. If it isn't, then it might just need a minor tune up. I've been in your exact same situation. I've thought to myself "Why don't I just total the car and then the insurance will pay off the loan and I can be rid of this thing." But that's not the answer. Sit down with a pen and paper and do a budget, comparing what it would have cost to keep your mercury vs the new sentra. Include cost of gas for the mercury vs the sentra, the cost of repairs to the mercury. I think if you do that you'll see that they will work out to be almost identical in cost. Besides, that mercury, though it was good now, was probably going to need major repairs soon because 111000 miles is a lot on a Ford product. I think once you see it down on paper it will sink in that the decision to get the Sentra was infact a good one. You won't be financially behind... and you may just be ahead on this. Consider this, with the credit crisis, it will be very hard to get car loans in the future, even harder than now. So, when that mercury finally tanked, you might never be able to get a loan and then you'd have been truely screwed. You may have gotten in before the door closed entirely. Good luck.
3. Edit with some paragraph breaks, please. You need help, but I tune out before getting to the important stuff.
4. Too bad for you. Nobody forced you to sign the paperwork. You know what they say..."Fool me once, shame on you. Fool me twice, shame on me". Learn from this and don't get suckered again.