To solve the equation 

\[
-0.7y - 8.1 - 3.8y = 12.6,
\]

follow these steps:

1. **Combine like terms:** Combine the terms involving \( y \).

   \[
   -0.7y - 3.8y = -4.5y.
   \]

   So the equation simplifies to:

   \[
   -4.5y - 8.1 = 12.6.
   \]

2. **Isolate the term with \( y \):** Add 8.1 to both sides of the equation.

   \[
   -4.5y = 12.6 + 8.1,
   \]

   \[
   -4.5y = 20.7.
   \]

3. **Solve for \( y \):** Divide both sides by \(-4.5\).

   \[
   y = \frac{20.7}{-4.5},
   \]

   \[
   y = -4.6.
   \]

So, the solution is:

\[
\boxed{y = -4.6}
\]

Would you like further details, or do you have any questions? 

### Related Questions:
1. How do you solve equations involving decimals?
2. What is the process for combining like terms?
3. How do you solve equations with negative coefficients?
4. Can equations be solved using graphical methods?
5. How do you check if your solution to an equation is correct?

### Tip:
Always check your solution by substituting it back into the original equation to ensure it satisfies all terms.

Learn how to solve the linear equation -0.7y - 3.8y = 12.6 with a detailed step-by-step solution. This problem covers key algebraic concepts such as combining like terms and solving for a variable. Suitable for students in Grades 8-10.

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