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I had a bankruptcy a few years ago and cannot qualify for a loan to cover the full amount.
I am scared to bring it up with my manager because it might mean I will lose my job once they realize what’s been happening, and if I lose my job I will no longer be able to contribute the $2,000 each month toward paying the balance off.
I don’t know if it is relevant but I have ADD, so impulse control, particularly when under stress, has always been an issue for me, and the whole thing was really traumatic with changing roles and several other factors.
My mental state was definatly not clear at the time I started doing this.
Luckily, for the second car I did have insurance, but the insurance company only agreed to pay out the remaining balance on that car loan and so I was again carless.