Opi wrote:I'm 4k negative with my neon. You know what I'm doing?
instead of paying the usual $300 a month, I'm paying $500 on it. My entire tax returns and bonus check i get from work, all going to the neon.
By April I'll have it down below trade-in value.
While this is an excellent idea, before you start cutting larger than payment checks to your loan company, you should check into whether the do principal or intrest first. most auto loans are interest first, for just this ituation. if you pay more than the monthly minimum, the extra goes towards the interest on the principal over the entire agreed-upon term of the loan, then when that interest is paid, they will apply it towards the principal (obviously, since that's all that will be left). most companies, unless you write two checks, will apply any "over-payment" towards interest unless you express in writing that you wish it to be applied to principal.
like already stated, life will fuck you in the ass every time it gets a chance, the same goes for insurance/loan companies.
Edit: PS, i rolled over 3.2k from my SXT into my SRT-4 loan. in my opinion, it was worth it. in my father's opinion, i'm going to end up paying $700 under retail for a 3 year old car. he thinks i'm a dumbass. he hasn't ridden in the car yet lol. he'd change his mind if he did.
to make a long story short ..... i want out. some of my friends say to have it stolen or hit some one pullin out. others go as far as to say tie a deer up to a tree and hit it a couple times. 
i want another neon but dont want MORE neg eq. btw i got gap so if its totalled its paid for. what would/have others done in this situation?
by the po-po
Maybe you should look for better friends?