The new legislation passed by Bush, which takes effect Oct 1, may help you. Read more about it at the link beow. Have you consulted a service like Consumer Credit Counseling? They may help you get on a budget, work with creditors, and get your spending under contriol. A new car purchase may not have been a smart move - since new lose 25% or so in value the moment you drive them off the lot. Next time, consider a certified pre-owned car.....you'll save a ton of money.....and body styles don't change all that frequently.