I know I am going to get yelled at but..

I have 2 deficiency balances from a truck and boat I turned over to voluntary repo because we couldnt afford it any longer after my husband went salary. Does anyone know how to make them do a settlement offer?

I have Fidelity Bank for the truck and owe $16,000 and Merrick for the boat and owe $9000.

I was hoping to pay maybe 40% on each…. Im current on the monthly payment plan but want to see about getting them paid off.

Anyone deal with this??

It’s 93, sunny but snowing in Virginia today!

Got paid today and based on my budget calculations I should be able to make my regular payment + $250 extra principal snowball!
Plus I ‘ve been scheduled for some extra time this week that will give me a little extra for next payday that will give me a few more snowflakes to pitch at it. But wait there’s more…
I just checked the mail and was notified I won a $150 gift certificate in a sweepstakes I entered! I’m thinking I’ll use that for groceries that week and throw another $150 on my car snowball.
On an OT note our rabbi’s on vacation and tomorrow’s my turn to give the layperson sermon at services…wish me luck.