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There's about $11k owed. They offered a settlement for $9k. I can't pay...suggestions, experience, or any advice?
Depends on your state laws. Research deficiency judgment for your state. Then you can see what the laws are and double check that the lender did every step according to the law: repossession, sale, and all notices that were due to be sent to you. You only have a defense to a judgment if the lender did not do everything according to the law (in some states).
Good luck.