Silversmok3

So heres the deal. I had worked out a deal with my dad to take over insurance and payment on my 09 G6. Well he and is GF have been laid off since October. i was making all my payments until i was laid off in March and could not make payment which i said i would get a loan ect. Well he said he could do it and help me since im still a full time student. Well his GF just told me today that they can no longer afford my payments of my car and my insurance. He has a 2008 Yukon Denili XL and a 06 Mercury Milan also with payments. I have no money saved it was all used to pay of debt im still in. I have been looking for a job since March. Cant afford payments. Im young looking for some guidance not really sure what to do with out putting myself in the hole.

So my question is WHAT DO I DO??

Hopefully this doesnt come too late.

I was in your exact situation a year ago , lost my job and had to live 3 months on my savings.When that ran out, I was in deep haggis financially because I couldnt afford my car loan.

I called the bank and requested ( almost begged,actually) that the payments be added to the end of the loan to keep me outta default, until I got my money and job situation settled. The bank did it, I got a new job after 3 months, and made the payments. With folks losing jobs right and left you're not the only one who's in that situation, and by calling the bank and saying that you want to work things out, its better for both parties.

You get to keep your ride, the bank doesn't have to hire a repo guy to find the car ( and hiring a repo truch aint free), everyone wins.

If you DONT call them and let the loan go into default, they'll hire a repo company to find the car. Unless you move the car to someplace youve never lived at before (remember your references on the loan app? ), they'll find the car. If that happens, the bank will try to auction the car to recoup their cost on the loan.

Since its VERY unlikely that your bank will get at auction the cost of the loan balance plus collection and repo fees, youll get hit with the credit damage of a reposession ( 7 years negative report) AND a final balance due to your bank for the car loan balance+repo and collection fees -auction income. That's called a deficiency judgement, and it means you will still owe on your car-but you wont have it to drive, and wont qualify for a loan towards a new one.

Talk to the bank,and see what they can do for you . Worst case, they say no, which is where you are right now by not talking to them.

God bless, and good luck with all this.

-Smok3

Well, I got some parts in today and added some cosmetic enhancements.The GAOC decals reflect , so they're not completely invisible. I had white ones before and they stuck out too much, so here's the black-on-black 'stealth' decals .I two-tone wrapped the SC/T wing in real CF, not the easiest task with the curves on that wing.

Sweet pics!! Be careful with the nitrous lol.

Whole lot of nothing out there in South Dakota lol

Nothing but wide, open, traffic-less 4 lane highways.

' date='Jul 1 2010, 07:58 PM' post='31387']

Oh shit. I'm on my Blackberry, so it didn't stick out to me. Don't blow the motor.

That's the plan cheif.

75 shot?

I cannot confirm, nor deny the exact nitrous shot .

' date='Jul 1 2010, 07:25 PM' post='31376']

Nifty. Glad to see the ol' GASE still running.

Im surprised you of all people missed what I just added , in the last pic. The hint-its purple, and it was installed today.....

Changed some sensors ( new TPS, IAC, and spark plugs) and something else, while leaving the outside alone. Finally brought the camera and took some scenery pics.

www.youtube.com/watch?v=gC5qk7KO_9Q

I was digging though my old Youtube videos , and found this gem from last year.It has Sammy's old GA,another black GAGT , and myself as the video car on I-270 around STL.

Jedi3

added the youtube cod.

cool story!

Quite cool. Its a downer that the timing chain failed at 90K miles ,though.

Hey guys,

I'm having a rough idle on my '99 Grand-AM (2.4L). When the engine is cold it idles at 700rpm but after it goes down to 500-550 and that's when for instants it seems like it's choking. Is there any way to raise the idle?

Open your hood and look down at your intake manifold. On the front, facing the front bumper is a small 3" vaccum hose that connect two lines , it looks like a U when your looking at it. This line cracked on me last year,a big hint is that when it was windy the idle problem got worse ( which lead me to check my CAI, IAT, and intake manifold sensor ). The motor was good until it got to about 600 RPM, where it died immediately. Got real good at brake tourqing at 1K until I found the problem.

50 cents worth of tubing later, problem solved.Let us know if that fixed it.

' date='Jun 8 2010, 10:02 PM' post='28768']

O'rly?

can i haz?

Get in line.

' date='Jun 8 2010, 09:37 PM' post='28764']

New tails. What happened to the LEDs?

Still got em in the closet, literally. Better to have extra parts and not need them, and all that jazz..

So, waddyall think?

More Pics! Got done installing my leather steering wheel not too long ago and went out to take some pics. Unfortunately i got so into taking scenic pictures, that i forgot to take pics of the new steering wheel :facepalm: Well, here ya guys go! Lemme know what you think!

More Pics! Got done installing my leather steering wheel not too long ago and went out to take some pics. Unfortunately i got so into taking scenic pictures, that i forgot to take pics of the new steering wheel :facepalm: Well, here ya guys go! Lemme know what you think!

Nice. Your job appearance wise is done, now get some N20 in that bish!

More Pics! Got done installing my leather steering wheel not too long ago and went out to take some pics. Unfortunately i got so into taking scenic pictures, that i forgot to take pics of the new steering wheel :facepalm: Well, here ya guys go! Lemme know what you think!

Nice. Your job appearance wise is done, now get some N20 in that bish!

you gotta take the turn signal assembly out. It did this in mine. it was extremely annoying. heres the GAOC post on it:

http://www.gaownersclub.com/forum/showthre...random+clicking

thats what i did a year ago and it hasnt come back.

lolwut. I heard that clicking and spent an hour once hunting in the engine bay for a non-existent ,loud dripping noise. One more project on the list, eh?....(sigh)

' date='May 22 2010, 01:19 PM' post='26399']

Love the pics.

Ever thought of doing an +03 SE conversion?

Yeah, but im trying to get away from cosmetic stuff for the moment. The next major mod will be a performance-related upgrade...thinkin' either nitrous or boost. N20 is cheaper, but the nearest place to refill it is 248 miles away from me. So im still working out what's the better idea long term...

Emily_todd- I bought my exhaust second-hand from a member with a GAGT-which has a longer bumper than an SE, so that's why the tips stick out a little. In person its not so jarring.

The tails are LED's, and you'd better believe they ain't going anywhere lol.Thanks for the comments and ideas folks, keep 'em comin.

Now that im at my base, it was time to pay a visit to the local museum with the GA.

The second cool thing is, my GA just hit 203K miles. Life is great lol.

Enjoy!

Welcome to the 200K club!

Keep in mind also, sometimes kits ship with defective or poor quality hardware. My first set of HID's were the dual -filament HID low/Halogen highbeam kind, and one HID bulb was bad from the jump-it kept shutting off 20 minutes after turning on perfectly well.

I changed the bulb and life was good until two months ago,when the side with the original bulb failed totally. I scrapped the entire kit, ballasts and all, and bought a new setup completely.

Just goes to show, you can do everything right and still get unreliable stuff from ' the factory'.

' date='May 19 2010, 07:53 PM' post='25654']

D! Glad ya signed up!

Your GA has always been a testament to both the reliability of both the GA itself and the LD9 motor.

Make a progression thread, and show us all how it started to current. Damn, I remember when you first bought the GA. I feel old now.

As requested:

Dead stock.Still got the temp tag lol.

One wintry pic with the fender stripes.

Well, im new to this site...referred to it by another member here.

I present my humble ride here.Its a 2000 2.4L Grand Am SE,owned since 2007.

As she was in December 2009, in storage before leaving for BMT :

After I got back in town:

Interior with the new in-dash DVD HU