Q: I bought this 2015 Chevy Cruz and 5 days later came into financial trouble that I didn’t foresee happening. I called the dealership and they told me they had called the bank to unwind the loan for me. I called the bank to find out they never called them. The man at the dealership lied to me. Since this my blood pressure has gone so high I lost partial hearing in my right ear. Is there anything I can do. I have called the dealership 3 times and they won’t even speak to me. Is there anything I can do? I am in dire financial trouble with this car. All I wanted was the loan unwound. When I talked to the bank to see if the dealership called them they said they never got a call from them as they the bank would have rather undo the loan than repossess

A: Forget the car dealer. They could care less about anything once you are out the door. My suggestion is that you enter a voluntary repossession of the vehicle with the bank. From now on keep a record of your calls, conversations and contacts. Send the bank a certified, return receipt letter requesting the voluntary relinquishment of the car. Let the car sit, lock it up and keep it safe from damage. If that doesn’t work, just don’t make the loan payments, they will contact you and repossess. This is not something you go to jail for. It will hurt your credit a bit, but you can recover and somebody will loan you money again, believe me.