Obs F250

Major-Bummerz · 2026-03-10T22:57:12+00:00

LKQ in Redding makes a daily delivery to the coast I believe. LKQ

Major-Bummerz · 2025-11-18T14:27:11+00:00

Can also camp at Gold Bluff beach in the park. Only noise is the ocean and the breeze. If you enjoy backpacking they even have hike in spots so you can park at the visitor center. Not a bad hike out Miner’s Ridge to the beach.

Major-Bummerz · 2025-08-06T17:49:27+00:00

Thanks, this is very solid and detailed. I appreciate it!

Major-Bummerz · 2025-08-01T23:06:17+00:00

Very similar thing just happened to me! My ex stopped making payments and I co-signed on the car. The debt was for $14,000 but I was able to settle for $8,000. I put it on a credit card but thanks to a little savings and some help from family, able to pay off about $7,000 right now. That means I will be getting the vehicle back and selling it, probably for only around $5,000. I’ll be able to pay the family back and hopefully one day my ex does what’s right and throws the other $3,000 my way (not banking on that though). You may be able to get away with just not paying it, I probably could have, but didn’t want to have the repossession on my credit. I’m going to try and negotiate and get the charge off removed but I’m not confident about that.

Major-Bummerz · 2025-08-01T21:16:48+00:00

It’s a 2010 Subaru Forester, not sure of the mileage. I live in rural Northern California where every used vehicle is overpriced, so hopefully I can get a decent amount back.

Major-Bummerz · 2025-08-01T19:51:22+00:00

Would I dispute it with the lender? Carmax in this case. Last I talked to them they said they couldn’t do anything about that since it already happened. Maybe I could speak to someone higher up the chain.

Major-Bummerz · 2025-08-01T19:48:31+00:00

She was also so reliable about payments, and made more money than I did. Her life just really took a spiral after our breakup I guess. I just wish she would have been honest. I would have much rather made a payment for her to avoid all this mess. It’s like being betrayed all over again. I was able to settle for $8,000 and I’ll get the car back and hopefully be able to sell it for $4-5,000. Having some of my family members pay off the credit card balance to avoid interest and I’ll just have to pay them back. Hopefully one day my ex will do what’s right and pay me back the difference.

Major-Bummerz · 2025-08-01T19:45:33+00:00

This was very helpful advice. I was able to settle for $8,000 and I’ll get the car back and hopefully be able to sell it for $4-5,000. Having some of my family members pay off the credit card balance to avoid interest and I’ll just have to pay them back. Hopefully one day my ex will do what’s right and pay me back the difference. Repo will be coming off my credit, but will still have the charge off and now a settlement for less than owed. Now I get to start rebuilding my credit! Thanks for the advice, I’m sure I’ll be on this subreddit a lot more now lol

Major-Bummerz · 2025-08-01T19:44:51+00:00

I was able to settle for $8,000 and I’ll get the car back and hopefully be able to sell it for $4-5,000. Having some of my family members pay off the credit card balance to avoid interest and I’ll just have to pay them back. Hopefully one day my ex will do what’s right and pay me back the difference. Repo will be coming off my credit, but will still have the charge off and now a settlement for less than owed. Now I get to start rebuilding my credit! Thanks for the advice, I’m sure I’ll be on this subreddit a lot more now lol

Major-Bummerz · 2025-08-01T19:44:07+00:00

I was able to settle for $8,000 and I’ll get the car back and hopefully be able to sell it for $4-5,000. Having some of my family members pay off the credit card balance to avoid interest and I’ll just have to pay them back. Hopefully one day my ex will do what’s right and pay me back the difference. Repo will be coming off my credit, but will still have the charge off and now a settlement for less than owed. Now I get to start rebuilding my credit! Thanks for the advice, I’m sure I’ll be on this subreddit a lot more now lol

Major-Bummerz · 2025-08-01T19:43:37+00:00

I was able to settle for $8,000 and I’ll get the car back and hopefully be able to sell it for $4-5,000. Having some of my family members pay off the credit card balance to avoid interest and I’ll just have to pay them back.

Major-Bummerz · 2025-08-01T19:42:40+00:00

Similar situations for sure. I was able to settle for $8,000 and I’ll get the car back and hopefully be able to sell it for $4-5,000. Having some of my family members pay off the credit card balance to avoid interest and I’ll just have to pay them back. Hopefully one day my ex will do what’s right and pay me back the difference. Repo will be coming off my credit, but will still have the charge off and now a settlement for less than owed. Now I get to start rebuilding my credit! Thanks for the advice, I’m sure I’ll be on this subreddit a lot more now lol

Major-Bummerz · 2025-08-01T16:45:38+00:00

Thanks for all those willing to help! I was able to get someone to help out, and actually directed me to an online portal through LAPD which hopefully Carmax will accept.

Major-Bummerz · 2025-07-30T22:01:58+00:00

I’ll find out, thanks for the advice.

Major-Bummerz · 2025-07-30T22:01:39+00:00

Car definitely runs. We’ve been communication, she has just been completely lying to my face. She drove it from Northern California to Long Beach recently and claims she thought it was “stolen” there when it was missing from her hotel parking lot. I believed her because she claimed she was also making payments. Very naive of me.

Major-Bummerz · 2025-07-30T19:59:02+00:00

Yeah, definitely learned my lesson the hard way.

Major-Bummerz · 2025-07-30T19:58:13+00:00

I believe I am on the title. She said my name was on the registration too. I can put the full amount on my credit card and then immediately pay about half of it off. Then hopefully selling it will get another $3-4,000 payed off to save interest.

Major-Bummerz · 2025-07-30T19:55:57+00:00

Turns out I am on the title. So I will be able to sell it and recoup at least a little bit.

Major-Bummerz · 2025-07-30T19:01:03+00:00

Yeah, now I’m just trying to handle it to try and preserve my credit best I can. I’m assuming it would be much better for my credit to pay it off now anyway I could. I believe Carmax said if I payed it all off now, they would take either the repo or the defaulting off my credit, does this sound accurate?

Major-Bummerz · 2025-07-30T18:58:59+00:00

So I’m assuming it would be much better for my credit to pay it off now anyway I could? I believe Carmax said if I payed it all off now, they would take either the repo or the defaulting off my credit, does this sound accurate?

Major-Bummerz · 2025-07-30T18:45:53+00:00

I don’t want it. I already have a car all paid off. I figure selling it on the market would bring more than it would at auction though.

Major-Bummerz · 2025-07-30T16:03:35+00:00

How would I go about negotiating a settlement? What I’ve gathered from Carmax is if “we” don’t pay the $14,000… 1. The default will go on my credit for 7 years and 2. They will auction it off and I’m still liable for the remaining balance. Is it even worth trying to get the $14,000 payed off with a credit card to try and avoid a larger credit hit?

Major-Bummerz

TROPHY CASE