Okay, this is the most embarrassing thing I have ever had to ask in my life.
So let me set the stage. In March, I got a new car. My insurance told me the payment would be $88/mo, and I was like "cool!" My first payment was due in May.
Just when that payment was due, I got slapped with a $500 bill from said insurance. According to my roommate, it's actually normal to get some kind of adjustment done when you go from an older car to a newer car. The problem is, this was not disclosed to me. Suddenly I owed almost $900 (the insurance plus my car payment), which at the time was more than I made in a single paycheck.
So I fell behind. (And also switched insurances.)
Yesterday, I made my first car payment. Thus far, May and June have been due. In spite of the fact that I made said payment . . . they still took my car, because they'd filed paperwork to have the car picked up and the cancellation of that pickup didn't happen until after it'd already happened.
THE GOOD NEWS: I can get my car reinstated. Today, in fact. Which is good, because tomorrow I'm supposed to go out of town. This isn't just a trip I can cancel, either--my sister and nieces are coming from halfway across the country. I am the car. They are counting on me.
THE BAD NEWS: I have approximately five hours to come up with just over $1000 to do it. The total for reinstatement is $1151.21: June's payment, July's payment (technically due next week but they have rules about repos), a reinstatement fee, a towing fee, and a storage fee. I only have $70 in the bank.
My dad is trying to find a way to send me some money on loan, but the absolute most he can do is $500, and that's if he can find a way to get it to me.
I am beyond embarrassed that I have to do this. But guys . . . without my car, not only am I stranding my sister and my nieces, I can't work. I live in the Phoenix metro area. Walking five miles to work is beyond difficult to start with, but the high this week is 113 degrees. (For my friends across the pond: that's close to 50 degrees.) There's no way. I'd literally, actually die of literal, actual heatstroke. Plus, my second job is UberEats--can't do that without a car at all.
Can you help me get my car back? I will pull double shifts on Uber to pay people back if I need to. But it is physically impossible to live here without a car, and the timing couldn't be worse.
If you're able to help, my Ko-Fi is www.ko-fi.com/~prismaticbell. I've also got Paypal directly: [email protected].
I have never been so acutely aware of a ticking clock. Please, please, if you can help me get my car back . . . I am literally begging.
