How do I refinance my car, if I have bad credit?

How can I refinance my car. I have bad credit and I am behind on my payments. I thought I would be able to make up the payments with my tax refund, but I owe $639.00 back in taxes. Is there some place that can help me. I got behind on my bills because I was out of work for 5 months and it is really hard to catch everything up. I now have a good job, but my payments are still behind, because I can't catch up. My job is an hour away from my house, so I need my car to get to and from work. My loan people are really rude and are not willing to work with me. I really need to lower my payment and keep my car. Any advise will be helpful.How do I refinance my car, if I have bad credit?
Bad credit is one of the worst problems to have... however there exists a solution.



I will hereby talk from my personal experience.



I did debt consolidation a couple of years ago, however If I had to do it again I would pay to some minor details,

if someone wants to get out of debt today it is pretty easy with a debt consolidation plan, however it may get a bit tricky at times, I suggest you get as much information as possible online on this first,



a good place to start in my humble opinion is astraight to the point ebook with question and answer I found :



http://umgarticles.atspace.com/debt-cons



if it helps kindly remember me in your voting!.. cheers!How do I refinance my car, if I have bad credit?
most likely you are screwed
You need to beg borrow or steal the money you need to get your loan paid current A.S.A.P. or you are running the very real risk of losing your vehicle. Don't even think about lowering your payments, banks do not give loans to people that are currently behind on their existing payments.
There you go : http://simple-credit-cards-and-loans.com
Hi,



it's not always easy to find the right companies. I've done some research and found one which is very reputable and trusted in this field, even with bad credit. You might check it out at:



http://www.usefulresources.info/eloan-au



Hope that helps. Wish you all the best!



Mike
There is some useful advice here.