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Charge off help please!
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Ok so I had bought a car with a bank loan from a (shady) dealership that sold messed up vehicle. Engine and transmission went within a year. Before I could voluntarily surrender the vehicle, it was repossessed. What I didn’t know was they were going to sell the vehicle to an auction and I would have to pay the remaining balance. The vehicle was sold for a very low price and now I’m left to pay $20k for the vehicle. It’s listed as a charge off on my credit report, which has affected my job as well because you can’t be in a buttload of debt working there. Is there a possible way to fix this or write it off?

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6 months ago