Once upon a time I had a very well paying job in Connecticut as a Financial Analyst. We had just purchased our first home and upgraded our cars to more reliable ones. Everything was going great....then one day I lost my job, then the equity dropped on our house, it became upside down, so we lost our house. We had to move to Oklahoma where my husband was able to find work with insurance (which I HAVE to have for BP). The pay was a third of what I was making. We have struggled for the last three years trying to make ends meet. I actually worked at Arby's part time while my kids were in school so we could pay bills (found a little bit better job now). Eventually we got behind on our payments $1800 behind (three car payments). Every month I have my bills ranked in order, and my car was always last, and that is only becasue food was ranked right above it. Now I feel like I should let the car get repoed. That would free up $600 a month for us. It seems stupid that I should drive such a nice vehicle and my family barely has enough to eat. The sad thing is that the bank is really upseting me, they call me at work. Honestly they have told me I need to go on public assistance (hello, I make too much money for that)...they told me to go to a church and ask for money. One day I was sobbing at my desk listening to the women on the phone tell me she is a single mother, makes less money than us, and can pay her bills and still have money to go shopping. They told me that my home life must be screwed up if my husband and I cant make these payments. They call me at work everyday. I feel like a piece of crap and I keep making a payments when I can...despite my family needs. I feel I have to? We are looking into filling bankrupcy, but what do I do now? How do I get these people to leave me alone. How long until they get my car...can they find it, can they garnish my check. I need someone to tell me it is okay to let the car go back. I have honestly tried. My god I wore a stupid cowboy hat when roastburgers came out at Arby's to pay my bills. We just lost everything...does that make me a bad person?