My car is not upside down--a 2005 Acura--but the payment is more than I want to deal w/ (483.) and I want a cheaper but still reliable car with a lower (at least 200. less) payment. Am I crazy to think I can do this now? I've not missed any payments, though I've been late. I stated I want to reconfirm but now I'm having second thoughts, and I've not as yet heard from the finance company.
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