$7800 owed... ick.? My darling EXhusband and I had acar reposessed shortly after we

My darling EXhusband and I had acar reposessed shortly after we split, and very soon 4years later I am responsible for 6400 left on it he have paid thus far on his own but, the interest goes up $1.85 PER DAY

WHERE can I catch incontact with a company that will help me to rate this off with LESS interest or SOMETHING. I want to earnings it off in a year but can't afford $700/month

You can contact the company directly that is owed and offer to work out a agreement. Most companies have SO many repos, that they are glad to find money coming back.
If you had a better money situation on your own after 'EX', you can bear out a personal loan or line of credit if property is owned. I guarantee the interest rate will be lower, saving you money.
Be sure to consider a pre-nuptial agreement subsequent time as well. ; )

Consumer Credit Counseling... AKA Money Management

Answer:
If you want to pay packet this, I would suggest first sending the letters that are on the first link I've provided. Be sure to fully read the complete page and follow adjectives of the steps before sending anyone anything.

After you receive the response, you might want to send a wage for delete letter to the original creditor.

If it have been 4 years since the sale of the vehicle, and no payments enjoy been made on the deficiency, you are justifiably out of the statute of limitations for collection on the debt.

If they had failed to distribute "you" all of the requred and legal paperwork previously and after the sale, the repo would be considered an illegal repo and legitimately non collectable.

(If payments were made on the deficiency, the SOL 'may' hold been reset)

Since it sounds (from the time you stated) like you are out of the statute of limitations for collecting and you "are not" legitimately bound to pay, but if you want to pay, submission them a percentage of the amount as payment in full.
Also request that after they receive the full "agreed upon" amount they will not verbs to collect on the account, they will not sell the reason or the remaining portion of the account, they will remove anything they have placed on your credit reports. If the description had been place near a collection agency, request that they recall the account.

Do everything within writing and send it certified mail return account.

WHY? You're credit goes down the tubes near a divorce anyway so why not take advantage of the "bankruptcy" law?