Loan trouble? Don’t fear prison time

Dear Terry,
I surrendered my truck to a bank. I called the bank told them why and they told me where to take it. I followed their instructions, then called the 800 number and told them I had dropped it off.
I am a single mother of two with no help. I had no choice. Will I go to jail?
Jen

Dear Jen,
No need to fear any criminal charges. People get into loan trouble all the time, unfortunately, and the worst that usually happens is their credit rating is dragged down.

Here are this week’s reader questions:

GM: credit crunch hasn’t killed loans
Do I get ‘cooling off’ time after I buy a car?
Will my loan troubles put me in prison?
Can I take over my brother-in-law’s car loan?

If you have a question for Terry, e-mail him at Driving for Dollars. Save money on your car — sign up for Bankrate’s new weekend Car & Money newsletter.

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