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Easy Approval, Fast & Secure Service. Apply Online Now. Proof of income It’s a good idea to try to solve your debt problems with your creditors as soon as you realize you won’t be able to make your payments. If you can’t resolve your credit problems yourself or need additional help, you may want to contact a credit counseling service. There are nonprofit organizations in every state that counsel and educate individuals and families on debt problems, budgeting and using credit wisely. There is little or no cost for these services. Universities, military bases, credit unions, and housing authorities also may offer low- or no-cost credit counseling programs. Check the white pages of your telephone directory for a service near you. But what if the car is already in your driveway and the dealer demands that you return it? A former dealer, who asked not to be named, advises that buyers ask for a copy of the letter denying financing at the agreed-upon terms. This simple request might bring an end to dealer demands. If it doesn't, you can return to the dealership to discuss the situation — but not in the car you bought. The dealer might try to seize the vehicle as leverage for his demands. If the dealership can prove the loan was denied, of course, you have to bring the car back and figure out your next step.
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