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I love my overflowing inbox filled with questions from my dear readers. What I don’t love is not being able to respond personally to each and every one!

So today, rather than trying to decide which ones to answer, how about I just reach in and let’s see what comes out.

multi-ethinic arms outstretched to ask questions.

Upside Down in a Durango

Dear Mary: I have a Dodge Durango gas guzzler and I owe way too much money on it. If I sell the vehicle outright, I could probably squeak by ending up just $5,000 in the hole. If I trade it in, I would be about $9,000 in the hole.  

I could put the shortfall on a credit card, but I know that is a bad idea for so many reasons. What should I do to pay the difference?

We have an old pick-up truck and an older Subaru that will be okay for now, but how do I get out of the loan and the Durango? And how can I sell it to someone when I don’t have a clear title? Any help will be appreciated. Linda

Dear Linda: There’s no perfect solution here, but here’s a plan that might work: 

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