Question by jennifer w: Unavoidable repossession. Creditor harassment. Any recourse?
My husband lost his job last year. He had one year of unemployment, and he still has been unable to find anything. We are having to let our vehicle go back. We just have to have other transportation first. This is our only vehicle and we have young children and ther is no public transportation where we live.
The problem we have is the creditor has become very harrassing. Just today, they have called 4 times already, and the calls started befroe 9 AM. They have called us on Sundays during our church services, they have lied to us and left threatening messages on our voice mails. They have also denied a cash payment that was already in their account. They came in a repo truck the other day and we weren’t home. They went to our neighbor’s house and started asking about us. Since the truck was clearly marked as a repo truck, I feel like this broke the law since creditors cannot legally tell others that they are owed money. It is considered public humiliation. The vehicle can go back. That doesn’t bother me. I just need a little time to get things in order first. But the harrassment and humiliation has got to stop. Any advice?
Best answer:
Answer by michelob86
Most states that is illegal. Check with your State Attorney General and ask. They’ll help you out.
Also, if the note is still with the dealer you bought the car from…MAKE PAYMENTS!…anything… a month even. That is still a good faith effort to pay them back, and they cannot take your car. They’ll charge you interest or even penalties, but they cannot take the vehicle unless you completely stop trying to pay them back. Always pay something on every bill.
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