problem, my old car is in trouble

[Anonymous]

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@jtmoy19607 wrote:

yeah, I looked into that, there is 160,000 miles on it and once the transmission goes they aren't the same anymore. that was my first instinct. but maybe i will still go that route, but my question is can I declare bankruptcy, is it an option for me?

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Not sure what the above is about. Once a transmission goes they arent the same anymore? Putting a new transmission in a car doesnt affect the rest of the car. If the transmission is truly the problem and the only problem then putting in a good transmission will solve the problem. The key is a GOOD transmission going in and a GOOD installation job. If done properly car is as good as new. Have had it done and replaceing the transmission never has set off a chain reaction and I have done it twice on two seperate vehicles.

[llecs]

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@jtmoy19607 wrote:

it isn't like I don't need a car, I do, I have very little emergency funds, you can't save and kill debt. And as far as the right thing, the right thing was to never get in debt in the first place, beside how about the people who got rich off of giving people bad debt, do you judge tthem and ask them if that is the right thing? I am so sick and tired of middle class and poor being asked to be moral and ethical, but not the rich?

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And I wasn't trying to be judgmental either, OP. I have two different answers, both of which would help and how you answered my initial question would depend on the answer. There's no judging here. I'm certainly not a saint and screwed up financially more times than I care to count. Tazman addressed one of my answers already and that it you may want to spend some time in front of a BK attorney asking this. I don't know the answer either, but I've seen similar posts in here that resulted in issues on the end of the filer.

Per the comment on the car, it was very clear that a BK would cost more than a downpayment or even to repair it.

[chasmith]

I agree with other, a transmission repair done right will hold, and is probably the correct answer.  You can see if there are reputable local independent shops that might finance part of the cost for you (carry you as a local account not try to get you on to a credit card or other finance facility).

[jtmoy19607]

what u say about transmission is true in theory, but they really don't understand it anyways. and everyone I know who has repaired or gotten their transmission fixed, says cars are never the same afterwards.

[jtmoy19607]

I will get the car fixed and will just hope more doesn't go wrong.

[thrasher865]

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@jtmoy19607 wrote:

what u say about transmission is true in theory, but they really don't understand it anyways. and everyone I know who has repaired or gotten their transmission fixed, says cars are never the same afterwards.

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You're right, the car won't be the same again after you replace the transmission....   It will run.

That statement is not logical, that a replacement transmission is going to negatively affect the car.

[jtmoy19607]

warranty expired.

[jtmoy19607]

that isn't what I mean. Of course it will run better with it fixed, but I know 4 people whose names I can think of that had transmission replaced and the car gave them problems afterwards, it would hesitate when shifting gears and then other parts started to fail. Obviously, that second problem could be unrelated to the transmission. just cars getting beat up.  I will  go get it fixed

[Tazman81]

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@jtmoy19607 wrote:

that isn't what I mean. Of course it will run better with it fixed, but I know 4 people whose names I can think of that had transmission replaced and the car gave them problems afterwards, it would hesitate when shifting gears and then other parts started to fail. Obviously, that second problem could be unrelated to the transmission. just cars getting beat up.  I will  go get it fixed

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Do you by chance know where they took their vehicle to be repaired?  maybe it is a repair shop that you might not want to use.  You may consider taking it to a dealership that specializes in your make of vehicle.  I know it may be a little more costly, but they should be able to get you a good transmission.  And probably one with a bit of a warranty.

[Anonymous]

Advice for this thread:

1- On Clearing $1,900- get a part time job or revenue stream if possible to help with your income.

2- A car with 160K on it will probably have other problems evidencing due to the vehicles inherent age/use

3- with a $250 a month student loan and clear income of $1,900 you arent getting financed for anything new anyway without a co signer, and if you have a co signer can you afford a $350+ car obligation?

4- Explore any and all cash savings options at your disposal, getting a roommate, changing billing plans or monthly obligations, moving in with parents, Top Ramen.

In general: assuming there are no manufacturing or design defects, a car that needs a new transmission needs one due to USE, ABUSE, or MISFORTUNE.

With a Given that the repair is done in a reputable place and to manufacturer spec, any vehicle with one of those three things that has caused the need for the transmission repair, likely has other things either wrong with it, or soon to be breaking down with it. That does NOT mean that the vehicle is a lost cause though. A few thousand dollars to keep it running for 2+ years is still cheaper then a car payment.