On XXXX XXXX, 2014, I purchased a standard used XXXX XXXX from America 's Car Mart Inc. in XXXX, TN, for {$14000.00}. Today the XXXX XXXX XXXX price is listed at or between {$1500.00} to {$1700.00}. The annual percentage rate extended to me at the time was at 15 %. I 'm currently financing the vehicle in-house through America 's Car Mart. Since purchasing the vehicle I have made all payments on time ; however, I simply can not afford to continue making these high payments. For the first 3 months, I paid {$310.00} dollars every 2 weeks for payment, I currently pay {$240.00} dollars every two weeks for payment. I have 38 more payments before my last payment is due. 
