I am having trouble getting approved for a vehicle loan due to my poor credit. And due to my wife and myself both having jobs with two kids i am finding the extreme need for a second car.
You can settle your outstanding debts using the techniques outlined in the guide linked below, written for non-lawyers.
Disclaimer: Please note that this answer does not constitute legal advice, and should not be relied on, since each state has different laws, each situation is fact specific, and it is impossible to evaluate a legal problem without a comprehensive consultation and review of all the facts and documents at issue. This answer does not create an attorney-client relationship.