I'm going on 4 years paying on my ford fusion. I pay over 1000$ a month and still behind, get rude calls, constantly wanting more $ when I first financed my car it was 13000 today after 4 years later and 250,000 miles I owe 16,000. My credit is ruined I barley have a 500 all because creditors think I don't pay my bill. They not knowing I pay 1000$. And what I go thru just to make it to work to pay for it