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Message: <blockquote data-quote="VitruvianDoc" data-source="post: 1340811" data-attributes="member: 13736">Cars do not hold value except in antique collectors.  No matter how much equity you have in a car, you will never get that equity back out except in very rare circumstances.  Cars are not houses, they never appriciate and you are always losing money on your vehicle. I am glad they are working with you, but understand this, they aren't trying to help you as much as they are trying to steal your business again.  Don't let them convince they can get you a better deal.  They are well aware of the vehicle you bought from them.If they give you more on the car, the rate of interest you pay will go up, or fees magically appear, etc.  There are so many ridiculous methods to get extra money out of people when it comes to vehicles.</blockquote>