How can you lower your car payment?

Yes you can. I modified my BMW for 295 dollars with a company called Premier Debt Solutions in my home town, i was paying 820.00. worked with a guy named Robert who saved me about 300.00 in only 5 weeks of time. I highly reconmend them if you don't feeel like doing this your self, and pluss refinance sucks!!!
Premier Debt Solutions
1-877-982-7073
www.premierdebtsolutons.net