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I told the girl I did not want to waste my time nor theirs and gave her the payoff amount on my vehicle plus our incomes as Seniors. That is all we get is a monthly check. So they knew this going in. My wife has been sick for 35 out of the 42 years we have been married. We have below average credit and I knew we would have to trade into another used car from the get go.
She said there was no problem and I traveled down to meet her. The point I kept reiterating was I needed a lower payment. PERIOD.