How can I refinance my car loan and get away from Consumer Portfolio Services???

So here's my situation... I have a 2005 Chevy Malibu that I financed from Consumer Portfolio Services (afterwards refered to as CPS) beginning in May of 2007. This is mostly becasue of getting in an accident which totalled the car that I had the previous October. I knew that my credit wasn't the best with having a lot of student loans and working a job that wasn't giving me consistant hours, leaving Sallie Mae to drag my credit through the mud (but that neither here or there). Anyway, back to CPS. I lost my job back in April of this year and quickly got another job and am working on getting promoted. However with trying to work with CPS, they have been nothing short of terrible. They gave me 1 deferment where they were supposed to change my due date and defer a payment, but only did the latter forcing me to pay $1200 to get current again (so they lied to me). After getting another job, I started paying again, but can't make the due date they set for me every month. I have tried to reach them to work something out, which I talked to one person 2 weeks ago, and since then their line is always busy, or disconected, or their call center is closed (I almost feel like I'm the one they owe money to and their ducking and dodging me). What I'm looking for is somebody that will be able to refinance my car loan and get me away from these people. Even if I have to pay out longer for my car at a lower price, I pay $390 now so I'd rather have a payment book (something CPS doesn't offer) and people that I can reach when I need to, than these people that I can never seem to reach or call back. Also legitimate answers only, don't need any bs about being irresponsible or my having bad credit.

Asked By: moonlight_night78 - 8/17/2008
Best Answer - Chosen by Asker
More than likely since you've missed a couple of payments they have already turned (sold) your account over to a collection company. You'll probably be hearing from them soon. They'll probably offer a longer pay-off with a higher interest. Sorry...but even if they haven't sold it yet you're going to have trouble... More
Answered By: bigbadwolf - 8/17/2008
Additional Answers (0)
Sponsored results
$45/hour Part-Time Job Openings. Requirements: Must Have Computer.
Our Local Jobs Paying $16-$97/Hour-Get Hired Now. Apply Here
(89) Real Jobs Paying $21-$97/Hour- Available Now. Apply Online!
Over 483 Local Jobs Now Hiring In Your Area. $18-$87/Hr - Apply Today!

Other Career Questions

What is your current job? Why did you choose this job? What do you enjoy about your job? What do you dislike about your job? What would be your perfect job? Would you rather have this j...
3 answers - Asked By: drop pants not bombs!.♥ - 3/2/2010
Where are the jobs? Is productivity and globalization creating a permanent “recession” of jobs? My main issue is I am doing a paper for school and have no idea where to begin. I was hoping suggestions...
4 answers - Asked By: bayebd24【ツ】 - 11/21/2007
Hi ok im 19 and about to start college to do an acess course into a university. Ive been browsing through all the courses and im tottaly stuck! I thought politics but im scared ill end up with some r...
1 answers - Asked By: roseparkerly - 1/26/2009

Content is not owned or controlled by Monster. Any content concerns should be addressed with Yahoo!
Yahoo! Does not evaluate or guarantee the accuracy of any Yahoo! Answers content. Yahoo! Disclaimer.

Popular Articles

Best-Paying Work-from-Home Jobs Article Rating
It’s easier than ever to work from home. Of course, not every job is a mobile job, and some companies aren’t interested in having their employees work from home.
2013 Marketing Jobs Outlook Article Rating
The US may be facing another year of anemic hiring overall, but that won't be the case in the high-orbit world of multichannel, digital media marketing.
For Employers: Post Jobs | Search Resumes | Advertise
About Monster | Work for Monster | Advertise with Us | AdChoices | Partner with Us | Investor Relations | Social Media
Terms of Use | Privacy Center | Accessibility Center | Help | Security | Contact Us | Sitemap | Mobile
©2014 Monster - All Rights Reserved U.S. Patents No. 5,832,497; 7,599,930 B1; 7,827,125 and 7,836,060 MWW - Looking for Monster Cable? - V: 2014.1.40.24-205