The BEST time to make your beatup credit look as good as possible is ASAP. Everything else is DOWNHILL from there.
The car will be sold at auction. Whatever it sells for at auction will be deducted from the balance remaining. The credit company may initially offer to accept a reduced amount on the balance, but, if you're unable to pay that, they will turn it over to collections for the full amount of the balance remaining.
Balance transfer fee guidelines have changed beginning in 2007 and into 2008. Most creditors still have either a 3 or 4% balance transfer fee with a minimum of $5. However, there is no longer a maximum charge on balance transfer among most credit card issuers. This means that a balance transfer on a $10,000 offer could cost you $300 or more as a balance transfer fee. Furthermore, this balance transfer fee is often added into the next month's payment. This could cause this payment to be $300 higher than what you were expecting, which could make it hard to make the required minimum payment. Of course, if you miss that minimum payment, expect to see your interest rates skyrocket!
If you are the seller with a Best Offer stated on your auction, it is up to you if you want to accept the offer or not. If you are the bidder, then the seller will contact you to advise you if your offer has been accepted, if the seller does not accept any offer and the auction runs out, he hasn't sold his item
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