I bought a car from jdbyrider over payed cause was desperate. well I wrecked that car insurance payed 5,300 I owe 10,900 so 5,600 is the balance. They offer a roll over program which isn't a program at all they dont help you the want a 1000 down to get a new car so basically your starting all over again. It's a scam so they can continue to take your money so they ripped me off on my trade in. paid 8,000 more then the car was worth now left with nothing but a loan I still owe. So the roll over program is a joke.stay away from jdbyrider keep driving fix the car u own or buy a cheap used car lol