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i was in a car accident a few months ago, long story short car is totalled i still owe 16,000 on it and i've been contacting the bank that the car loan is through and i don't know if what they are saying is true, threats, or what. I don't know what my best option is, because of the accident over 20,000 in hospital bills the month our medical insurance was being switched over, & one less person working due to lack of transportation. Basically I cannot afford to pay the regular payment $330 a month and I don't know if we should file bankruptcy, let it get taken to court and see what we're ordered to pay, or try and settle with the bank for a smaller amount, so if anyone has any advice or answers I would greatly appreciate it. thank you!