<prompt> Human: So I somehow ended up with car Payments I didnt want and having to pay full coverage insurance. This basically happened because I allowed myself to get talked into it by my father and the car sales lady. Despite knowing better. Because I worked hardly above minimum wage at a job that wasnt reliable for the next seven years. The length of my monthly payments. But I took my dads advice and put this new car in my name to build my credit... I was grateful for his help and his down payment... but I honestly just wanted the used car he originally showed me when I first met him at the dealership. Not knowing to expect leaving with a car one way or the other. Anyways, so I have a car payment of 215 for the next seven years. And full coverage insurance payments 165, that I was only made aware of while signing all the legal paperwork. I owe a little over 9000 left on the car. Well guess what, I lost my job and fell behind. That worst case scenario I was worried about when committing to monthly payments I could hardly afford while actually having a full time job. Then I moved to Minnesota from Arizona where i bought the car and hit a deer. The car is pretty messed up the windshield is shattered. Im so grateful that me and my family all walked away without harm, thats all I truly care about. Well I had missed one month of the insurance during the moving chaos and the car was no longer insured when I hit the deer. Good lord... Sooo Ive basically dug my own financial grave and took my credit down with me and Im hiding from their daily calls. Theyre even calling my dad and he reminds me constantly forwarding all their voicemails. Financially Im barely getting by so Im not sure how I could even fix this. But something has to be done. I have to do something. How should I handle this. Im beyond overwhelmed with anxiety having to address this. So any advice on the best way to go about this mess would be greatly appreciated.  <response>: I hate to be that guy with bad news, but you are going to have to face reality here.You still owe 9K on the car, regardless of the condition of the car.If you missed an insurance payment and the damage is not covered, thats nobody elses fault but yours.If the car can be repaired its up to you to pay for it at this point.Regardless of whether you get it repaired, or do not, you still owe 9k on the loan. Even if the car is a total wreck.As far as the insurance payments, you can reduce your coverage if you want, you just need to talk to your insurance agent.You need to find another job. You might need two.I wish you the best of luck. This problem is not going to be solved by hiding from it. If you continue to ignore your debt, there is a good chance the lien holder will file suit and get a judgment against you. Once you have a judgment against you, interest is going to accrue, and you may have other legal fees that you are required to pay as well. The company that got the judgment may also be able to place liens on other property you own -- like a home for example, or something else -- which means you can never sell those things until you pay this debt first. This is the sort of thing that can push someone into bankruptcy, which is an option, but not a good one. 