Dear Terry,
What is the best way to get out from under a upside-down car loan? I also have crappy credit. Can you help?
-- Tom

Dear Tom,
Sorry, there's no help I can offer you if your credit is poor. Just hang in there with the loan until you have equity in the vehicle.

Here are this week's reader questions:

• Will repo surge fuel used car bargains? • How can I fix a co-signing mistake? • Should I use a tax refund to pay down a loan? • Can I escape an upside-down 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.