Chrysler Financial disrespectful, harassing phone calls, rude. No one seems to know a manager to help, I guess they dont have one. Nationwide

The days of the grace period is about to be long gone. Just because they allowed you to be late and yes you are late if it is not in AND posted by the due date. So, the more you are late the less they will work with you. Do not be shocked if you walk outside and find your car repo'ed at some point in the near future. Cut your budget. You can give up cable, cell phones .....all the those things we lived without when people thought you were living really high when you had cable! It is possible and yes many people still do! Shocking I know, but those folks either have made "do" or their cars are paid off. I know, another shocking fact. There are tons of folks that decided several years ago to take Dave Ramsey's "Financial Peace" classes and yes it works! I have a '06 Equinox and it was purchased with cash. Oh and I got a sweet deal because you know what gets you a good deal in this economy?????? Cash in hand! Beats financial papers any day! Oh.....might as well shock you again. We cut up the credit cards 6 yrs ago and paid them off because we do not care what our neighboors think about our house or car.It frees up our lives to go back to focusing on our marriage and our love. Try it. In the meantime they are not allowed to call past 8 pm. turn a tape recorder on and tape their calls. let them leave messages so that if they leave a message it will say the time on the tape. oh the recorder needs it to say it on the tape. Ask for the supervisor and send a note to them cerify return reciept requested letting them know 8-8 the only hours they can contact you and not on Sundays. Tell them not to call anyone that is not you or your spouse. keep your voice firm but sweet as you want to keep your card. If they feel attatcked you may wake up to a re-po'd car.

Your best thing is to get Chrsitmas jobs since you will probably need money for cars and a small Christmas, stores still need Christmas people for the holidays, enough to pay several months ahead for the car in qyestion. It is what I did and they are paid off and I still have my car.

Good luck, remember, yelling at them only makes them angerier. Ask for their boss ,
mail everything return reicept requested and write out a budget every month and stick to it. Living within your means means much more than what you can afford. It also means cutting what y ou can't. So you have two cell phones. How much month between phone calls and texting are you paying? Do you have a home phone too? Kids have a phone and texting? See how much that can be cut that we did not have 15 yrs ago? If you did not have a car payment you could afford these cars.

The rip off is not the car company . The ripoff is you beliving somehow that you deserve all this crap. And yes, I bought into it new. Until my husband and I decided that we were done with the crap. We were not late, we just were living way above our means. We woke up and decided to make a radical change.The credit cards were axed and pitched, we bought cars, did not fleese them, we do a monthly budget before the month begins, we discurss any major purchase above a $400 purchase because we work together on the finances. We discuss anything to do with money and we still live in a stable neighborhood on 2 acre with less than a thousand dollar mortgage , no cc's, no car payment and other than our house, we are debt free. It can be done as long as you finally say "I"ve had it and I'm not gonna live like this anymore"! It will change your life and then you won't write here unless y ou are encouraging another person who is running behinds on payments. Then it won't matter because you will not be having to make payments only saving !Now that truly is a wonderful feeling!

Good luck and if you want any more encouragement let me know, I will gvie you any help I can. I do want something better for you than late nite calls from Chrysler Financial.

The days of the grace period is about to be long gone. Just because they allowed you to be late and yes you are late if it is not in AND posted by the due date. So, the more you are late the less they will work with you. Do not be shocked if you walk outside and find your car repo'ed at some point in the near future. Cut your budget. You can give up cable, cell phones .....all the those things we lived without when people thought you were living really high when you had cable! It is possible and yes many people still do! Shocking I know, but those folks either have made "do" or their cars are paid off. I know, another shocking fact. There are tons of folks that decided several years ago to take Dave Ramsey's "Financial Peace" classes and yes it works! I have a '06 Equinox and it was purchased with cash. Oh and I got a sweet deal because you know what gets you a good deal in this economy?????? Cash in hand! Beats financial papers any day! Oh.....might as well shock you again. We cut up the credit cards 6 yrs ago and paid them off because we do not care what our neighboors think about our house or car.It frees up our lives to go back to focusing on our marriage and our love. Try it. In the meantime they are not allowed to call past 8 pm. turn a tape recorder on and tape their calls. let them leave messages so that if they leave a message it will say the time on the tape. oh the recorder needs it to say it on the tape. Ask for the supervisor and send a note to them cerify return reciept requested letting them know 8-8 the only hours they can contact you and not on Sundays. Tell them not to call anyone that is not you or your spouse. keep your voice firm but sweet as you want to keep your card. If they feel attatcked you may wake up to a re-po'd car.

Your best thing is to get Chrsitmas jobs since you will probably need money for cars and a small Christmas, stores still need Christmas people for the holidays, enough to pay several months ahead for the car in qyestion. It is what I did and they are paid off and I still have my car.

Good luck, remember, yelling at them only makes them angerier. Ask for their boss ,
mail everything return reicept requested and write out a budget every month and stick to it. Living within your means means much more than what you can afford. It also means cutting what y ou can't. So you have two cell phones. How much month between phone calls and texting are you paying? Do you have a home phone too? Kids have a phone and texting? See how much that can be cut that we did not have 15 yrs ago? If you did not have a car payment you could afford these cars.

The rip off is not the car company . The ripoff is you beliving somehow that you deserve all this crap. And yes, I bought into it new. Until my husband and I decided that we were done with the crap. We were not late, we just were living way above our means. We woke up and decided to make a radical change.The credit cards were axed and pitched, we bought cars, did not fleese them, we do a monthly budget before the month begins, we discurss any major purchase above a $400 purchase because we work together on the finances. We discuss anything to do with money and we still live in a stable neighborhood on 2 acre with less than a thousand dollar mortgage , no cc's, no car payment and other than our house, we are debt free. It can be done as long as you finally say "I"ve had it and I'm not gonna live like this anymore"! It will change your life and then you won't write here unless y ou are encouraging another person who is running behinds on payments. Then it won't matter because you will not be having to make payments only saving !Now that truly is a wonderful feeling!

Good luck and if you want any more encouragement let me know, I will gvie you any help I can. I do want something better for you than late nite calls from Chrysler Financial.

It doesn't matter what you have paid in the past. It's good that you have paid extra to the principle, that means you have shortened the loan period and will pay less in interest. But, you still need to pay the required amount every month.

Just because a late fee is not added until 15 days after due date, if you pay after the due date you are still late with payment. Also, you are probably also being reported as late to the credit agencies.

It doesn't matter what you have paid in the past. It's good that you have paid extra to the principle, that means you have shortened the loan period and will pay less in interest. But, you still need to pay the required amount every month.

Just because a late fee is not added until 15 days after due date, if you pay after the due date you are still late with payment. Also, you are probably also being reported as late to the credit agencies.

It doesn't matter what you have paid in the past. It's good that you have paid extra to the principle, that means you have shortened the loan period and will pay less in interest. But, you still need to pay the required amount every month.

Just because a late fee is not added until 15 days after due date, if you pay after the due date you are still late with payment. Also, you are probably also being reported as late to the credit agencies.

It doesn't matter what you have paid in the past. It's good that you have paid extra to the principle, that means you have shortened the loan period and will pay less in interest. But, you still need to pay the required amount every month.

Just because a late fee is not added until 15 days after due date, if you pay after the due date you are still late with payment. Also, you are probably also being reported as late to the credit agencies.

Pay your bills on time, and they won't be calling you.