OUCH, that is going to be tough, if you can find a place they will tack on the negative to the contract and raise the monthly payments quite a bit, plus it changes the interest rate, so you triple whammied. If you could maybe add some more money on the payments each month until the negative is caught up, or save some money to make a larger down payment to help offset the negatives. But as it stands right now it is going to be rough.
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