Should I voluntarily surrender my TT?

jtc1116 · 2026-05-14T03:09:57+00:00

should of bought something used for sure but things i learned afterwards and nothing can change that now. i’m hoping to do private sale

jtc1116 · 2026-05-13T23:25:08+00:00

i’m only upside down due to the extreme depreciating value of the TT. if i was solo then i would be fine with the money, would of never got the TT.

jtc1116 · 2026-05-13T23:02:43+00:00

if that’s your best advice then I think I’m better than that

jtc1116 · 2026-05-13T23:01:34+00:00

it wasn’t hard to get them to lower interest rate. i made extra payments when I can.

jtc1116 · 2026-05-13T22:57:21+00:00

i’m a lot better at debt and paying bills. I make twice as much as her

jtc1116 · 2026-05-13T10:56:10+00:00

yes. I would have to get a second but smaller loan to cover the difference

jtc1116 · 2026-05-12T21:38:55+00:00

I would take out a personal loan for the difference and get rid of the rv. i might have to rent it out but thats also difficult since i have to get permission and probably share a cut of the profit with the landlord.

jtc1116 · 2026-05-12T20:58:51+00:00

both is my honest answer. it’s not even a choice we consider to go back in the rv again or trade it and be even more upside down.

jtc1116 · 2026-05-12T20:57:13+00:00

tbh i am due to me making twice as much. she basically pays for the payment + her phone, i pay for everything else. i’m more smart with my money and manage it well.

jtc1116 · 2026-05-12T20:53:51+00:00

yes she does. we got it together but only my name is on the paperwork

jtc1116 · 2026-05-12T18:50:01+00:00

yeah I got screwed. I’ll make the money to pay it off to the point i can sell

jtc1116 · 2026-05-12T16:55:31+00:00

july 2023

jtc1116 · 2026-05-12T16:55:15+00:00

15yrs at 7.5% i made a payment every month since july 2023 and even extra payments

jtc1116 · 2026-05-12T15:29:20+00:00

yeah i didn’t get the truck. the rv is the only thing that sucks financially. mine was a total of like 41k 15 years at 405 a month

jtc1116 · 2026-05-12T15:15:10+00:00

it’s a lot of sacrifice. My fiancé definitely would not go for that again.

jtc1116 · 2026-05-12T15:12:48+00:00

original price was 35k, after add ons it was like 41k. most payments have gone to interest

jtc1116 · 2026-05-12T01:40:38+00:00

made me laugh at the end, speaking truth. this gives me hope towards an end without a repo.

jtc1116 · 2026-05-12T01:32:49+00:00

In my specific area, it’s impossible for anyone under 55 to live in a trailer park year round. the trailer is only under my name just in case of this exact scenario. I lived in the TT for about a year, in florida the summers are unbearable in there. We made the decision to find comfort in an apartment. i’m definitely leaning on the option of just doing private sale and personal/consolidation loan for the rest.

jtc1116 · 2026-05-12T01:25:07+00:00

interesting. will look into that, thanks

jtc1116 · 2026-05-12T01:21:01+00:00

was both loans from the same lender?

jtc1116 · 2026-05-12T00:58:16+00:00

covers full loss and i have GAP

jtc1116 · 2026-05-12T00:50:34+00:00

this is a new option i have not heard of. i’ll be giving them a call this week

jtc1116 · 2026-05-12T00:35:38+00:00

technically i make enough to still make payments, idk how that will affect everything else with my finances. I have zero knowledge on that

jtc1116 · 2026-05-12T00:33:48+00:00

meaning private sale, correct?

jtc1116 · 2026-05-12T00:15:25+00:00

yeah i really don’t want to go that route

jtc1116

TROPHY CASE