A: You can try, but it is very unlikely Walmart will agree to pay the cost soon enough to get your car repaired - even if they agree. You will have to pay for the repairs yourself and then seek reimburement from them. The reason is because it is not crystal clear that WalMart is responsible. Your dealership will have to give an opinion that Walmart did something wrong which caused the problem. Just because things happen in a certain order does not mean that Walmart was negligent, especially when there was something wrong with the car before the oil change. Maybe Auto Zone's code reader wasn't accurate. Walmart wasn't asked to test the oil pressure before they changed the oil, this problem may have existed before the oil change. You have a duty to mitigate your damages for loss of use of the car, so you need to get it repaired as soon as possible and that includes paying for the repairs yourself. Walmart is also notorious for denying liability for anything. Lastly, even if their negogence contributed to the problem, if you were even 1% at fault in North Carolina, you can't recover anything for negligence. I hope this perspective helps you out.
A: Unfortunately, it is impossible to answer this question in a public forum like this because a detailed analysis of your financial situation - income, expenses, assets, and debts - will be required. You do not want to expose that kind of personal information on a public forum. I can say in very general terms that OneMain is typically very generous with "refinance" options to lower payments on loans. Depending upon the term of the loan refinance offered, that may not be very smart. You can wait until the debt goes to a collection agency and work out a payment plan. That will hurt your credit because the collection account will show as a negative for 7+ years even if you stick to the payment plan on time and pay it off. You could also consult with a qualified NONPROFIT consumer credit counseling your area such as Family Service of the Piedmont. Nothing beats a personal consultation with an attorney over asking for specifics like this in a public, online forum that can be read by anyone - including your OneMain loan officer who might recognize you by anything specific you post on here. I'm not critical of you asking the question, but surely you must understand this forum has its limitations. We are only allowed to givegenral advice here.