Lots of lessons learned the hard way here. I think you need to keep the car and work on your income. A $500 payment isn’t terrible. As soon as you start a new job you may qualify to refinance if your credit is ok. If not you’ve got a reliable car for a somewhat reasonable payment and you’re too underwater to sell. You may call your creditor and ask if they can defer some payments since you’re between jobs. This happened plenty during covid. I don’t know what they’ll say but I don’t think it can hurt to ask. I think you have more of an income problem than an expense one. You may need to work 2 jobs for a bit to recover. Do you own anything outright you can sell?
Lots of lessons learned the hard way here. I think you need to keep the car and work on your income. A $500 payment isn’t terrible. As soon as you start a new job you may qualify to refinance if your credit is ok. If not you’ve got a reliable car for a somewhat reasonable payment and you’re too underwater to sell. You may call your creditor and ask if they can defer some payments since you’re between jobs. This happened plenty during covid. I don’t know what they’ll say but I don’t think it can hurt to ask. I think you have more of an income problem than an expense one. You may need to work 2 jobs for a bit to recover. Do you own anything outright you can sell?