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[quote=Anonymous]I agree with previous posters. I think you need to recognize that at least part of your problems originate from very bad decisions you made.  A 2009 Mazda CX-7 ? that's an expensive car. if you absolutely needed a car (and as a live in nanny I am not sure you needed it), you should have settled for a good used car of a much less fancy model. there are plenty of entry level models that cost, new, less than $15K, even less if used a couple of years. based on cCarmax a car like your could sell for about $17K. if that would cover the car loan, sell it, if there is something left, pay your debts and you need a car look for a dirty cheap one. find a home you can share with other people, you would pay less than having your own condo. ditch any unnecessary stuff (i-phone, expensive phone plans, gym membership, whatever you have that you may do without. I work as an attorney for a big firm in DC, and frankly lived years without a car, commuting by bike and public transportation (still do) and when we needed a car, we bought an inexpensive one (and I was 39 when I bought my first and only car). [/quote]

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