Wachovia Dealer Services, Wachovia staff members are harassing me. They continue to call me daily at work and home. They also said they would defer 2 payments, with no documentation. I have tried to refiance at a much lower rate, with no success. They really are thieves. The Toyota Dealership, Mall of Ga. was a part of predatory lending. The finance person, at Toyota Mall of Ga, said we could refinance in 1 year. Santa Ana, California

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You signed a contract. What does the contract say? Does it state that two payments are being deferred? As Nikki says anyone can refinance anytime but you have to find someone who will refinance you and have improved your credit history and score. Unless you put about 40% down which is unlikely in your case, you will be "in the bucket" in a year. You may even have a Rule of 78 loan where interest is being paid up front which also means that the car won't be worth what you owe on it for years. Perhaps you should have bought a used 4 Runner - they have made them for years - . That would have made more sense than getting into something that you can't afford. In any event, the finance company wouldn't be bugging you unless you owed them back payments. You should pay now or else you might lose your car and be further in the hole.

I make it a rule that whenever a salesperson tells me I can do something, I ask as many questions as I can. When the salesperson told you that you could refinance in a year, the next thing out of your mouth should have been, "What do I need to make sure I do so I can refinance next year?" If the salesperson answers that I should keep my credit clean, I ask if there are any other things.

The salesperson did not lie. You can refinance a car a year later. However, you must keep your credit clean, your score must to up, and you must pay enough money throughout the year so you don't owe more than the car is worth after a year. That's the biggie. After 1 year, you may have brought your principal balance down only a couple of thousand. Well, the car loses value of a couple of thousand as soon as you drive it off the lot. So, after a year, you may owe $18,000 on a $20,000 car, but the car may only be worth $12,000. So, you would have to come up with $6000 to refinance.

When a salesperson promises something that is important to your decision to purchase, follow it up with as many questions as you can think of.

If Wachovia is calling you, that usually means you are late on your payments. So, not only do you owe more than the car is worth, but you have not kept up with your payments. What made you think you would be able to refinance?

I make it a rule that whenever a salesperson tells me I can do something, I ask as many questions as I can. When the salesperson told you that you could refinance in a year, the next thing out of your mouth should have been, "What do I need to make sure I do so I can refinance next year?" If the salesperson answers that I should keep my credit clean, I ask if there are any other things.

The salesperson did not lie. You can refinance a car a year later. However, you must keep your credit clean, your score must to up, and you must pay enough money throughout the year so you don't owe more than the car is worth after a year. That's the biggie. After 1 year, you may have brought your principal balance down only a couple of thousand. Well, the car loses value of a couple of thousand as soon as you drive it off the lot. So, after a year, you may owe $18,000 on a $20,000 car, but the car may only be worth $12,000. So, you would have to come up with $6000 to refinance.

When a salesperson promises something that is important to your decision to purchase, follow it up with as many questions as you can think of.

If Wachovia is calling you, that usually means you are late on your payments. So, not only do you owe more than the car is worth, but you have not kept up with your payments. What made you think you would be able to refinance?

I make it a rule that whenever a salesperson tells me I can do something, I ask as many questions as I can. When the salesperson told you that you could refinance in a year, the next thing out of your mouth should have been, "What do I need to make sure I do so I can refinance next year?" If the salesperson answers that I should keep my credit clean, I ask if there are any other things.

The salesperson did not lie. You can refinance a car a year later. However, you must keep your credit clean, your score must to up, and you must pay enough money throughout the year so you don't owe more than the car is worth after a year. That's the biggie. After 1 year, you may have brought your principal balance down only a couple of thousand. Well, the car loses value of a couple of thousand as soon as you drive it off the lot. So, after a year, you may owe $18,000 on a $20,000 car, but the car may only be worth $12,000. So, you would have to come up with $6000 to refinance.

When a salesperson promises something that is important to your decision to purchase, follow it up with as many questions as you can think of.

If Wachovia is calling you, that usually means you are late on your payments. So, not only do you owe more than the car is worth, but you have not kept up with your payments. What made you think you would be able to refinance?

I make it a rule that whenever a salesperson tells me I can do something, I ask as many questions as I can. When the salesperson told you that you could refinance in a year, the next thing out of your mouth should have been, "What do I need to make sure I do so I can refinance next year?" If the salesperson answers that I should keep my credit clean, I ask if there are any other things.

The salesperson did not lie. You can refinance a car a year later. However, you must keep your credit clean, your score must to up, and you must pay enough money throughout the year so you don't owe more than the car is worth after a year. That's the biggie. After 1 year, you may have brought your principal balance down only a couple of thousand. Well, the car loses value of a couple of thousand as soon as you drive it off the lot. So, after a year, you may owe $18,000 on a $20,000 car, but the car may only be worth $12,000. So, you would have to come up with $6000 to refinance.

When a salesperson promises something that is important to your decision to purchase, follow it up with as many questions as you can think of.

If Wachovia is calling you, that usually means you are late on your payments. So, not only do you owe more than the car is worth, but you have not kept up with your payments. What made you think you would be able to refinance?