Since you are no longer upside down on your loan, it would make a lot of sense to just sell the car and use the profit to pay off your AMEX.
You would start on a clean slate pretty much and can probably buy a similar car on better terms.
Starting Score: TU 749 02/02/2014
From the info, the OP has no idea where all their money is going.
The numbers don't mesh.
1. Get a small spiral notebook (you probably have a way to do it electronically, that'll work too, if not, DO NOT buy something like that, the cheap paper route works).
2. Write down EVERYTHING you spend, even if it's a pack of GUM for 89 cents. This will track where your money is actually going and why.
3. Do not spend if it's not a need; rent, food (not eating out) gas (no wasteful un-needed running around if you can avoid it). If it's not a need, you can walk away and know that money can go toward the rather deep hole you're trying to fill.
4. You don't need a car to validate yourself if it's at risk of putting you in the poor house and ruining your credit. You might want to look into places online where you can sell a car where you'd get some of your equity out of it while someone else buys it and takes over the payments. Cars do one thing, take you from point A to point B reliable and comfortably, anything past that is just showing off.
90k a year is nearly 7500 a month. You should not be having the issue your explaining if you know where your money is going (bleeding away), that's the info you need to look at to change things.
Old saying I'll share "Live Poor Become Rich". No one needs a 90 thousand dollar car unless they can write a check for it (because the expenses that come with it are extreme, insurance, upkeep and fuel. It's like dating a supermodel with a drug habit but on wheels). Please give some thought to what I wrote, I'm not trying to be mean, I think you need the info short and sweet which may come across as blunt or rude, it's not meant to be anything but helpful.
@RyVision wrote:From the info, the OP has no idea where all their money is going.
The numbers don't mesh.
1. Get a small spiral notebook (you probably have a way to do it electronically, that'll work too, if not, DO NOT buy something like that, the cheap paper route works).
2. Write down EVERYTHING you spend, even if it's a pack of GUM for 89 cents. This will track where your money is actually going and why.
3. Do not spend if it's not a need; rent, food (not eating out) gas (no wasteful un-needed running around if you can avoid it). If it's not a need, you can walk away and know that money can go toward the rather deep hole you're trying to fill.
4. You don't need a car to validate yourself if it's at risk of putting you in the poor house and ruining your credit. You might want to look into places online where you can sell a car where you'd get some of your equity out of it while someone else buys it and takes over the payments. Cars do one thing, take you from point A to point B reliable and comfortably, anything past that is just showing off.
90k a year is nearly 7500 a month. You should not be having the issue your explaining if you know where your money is going (bleeding away), that's the info you need to look at to change things.
Old saying I'll share "Live Poor Become Rich". No one needs a 90 thousand dollar car unless they can write a check for it (because the expenses that come with it are extreme, insurance, upkeep and fuel. It's like dating a supermodel with a drug habit but on wheels). Please give some thought to what I wrote, I'm not trying to be mean, I think you need the info short and sweet which may come across as blunt or rude, it's not meant to be anything but helpful.
That has Peter Griffin Family Guy line written all over it..................with Quagmire trying to pick her up!
Oh my goodness! This is so sad as your BK is about to be removed from your credit report after 7-10 years and you are heading towards a second BK. I'm not trying to upset you but you have got to realize you made a very bad financial decision by getting that car you truly cannot afford. I would really try hard to sell it.
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Last App: 4/5/13 Gardening until July 2014
I think a personal loan from a CU is a good option... Also, get rid of the car and get a cheaper one will get you in much better shape.
FICO 9: 
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.
Goal: Gardening!
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.
Goal: Gardening!
@webhopper wrote:I think a personal loan from a CU is a good option... Also, get rid of the car and get a cheaper one will get you in much better shape.
This is something you gotta do unfortunately. It sucks, but its needed.