This is a difficult situation... ing your question requires cosnideration of additional information such as:
What State did you reside when you obtained the loan?
Is the loan secured by a House, a Car, or Other?
Generally speaking, you have a contractual obligation to repay your loan for the agreed upon terms.
Call your creditor and explain the situation...Ask them directly if they have any options that you can consider.
It depends on the lender. If your dealing with Capital One, forget it. They would rather repo the car and for you to get it back after paying all the payments, interest, tow bill, etc. That way, they make more money. Capital One will not work with you at all, no matter what the situation, and even with a promise to pay everything in a month when your disability check came in. Heartless people. There are over 217,000 web sites complaining about Capital One and their ruthless tactics.
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