The car is worth 12k and I owe 20k with like a 19% interest rate Including the gap and warranty on this car as well Now, this is my question I’ve now found out after applying to refinance the car the car is s serious low equity loan. The third car payment was due on the 12th. Ībout 3 weeks after getting the car back the car was repossessed on the 15th. So now I realize the car has s transmission issue. I get the car back and on the way home (driving the car back from out of state.) all the dash lights would come on and the car would just roll until it would come to s stop you couldn’t give it gas or anything.
It’s been 2 months I’ve been without the car. I finally saved up the money to have the car fixed and got it repaid. The 2 months my car broke down it was in another state because it broke down when I was out of town. Also, I want not in an accident the wheel literally bent in due to the control arm snapping I had a spin out on the highway with my three year old in the car. Īfter saving the money to get the car fixed it took me roughly 2 months being the repair costed me $3,400. It was up to me completely to get the car fixed. I have warranty and gap on this car as well but warranty didn’t cover what happened because they considered it wear and tear. After 3 months of having the car the control arm, tow link, strut, knuckle, tire and rim needed to be replaced. I was able to get into a car which I’ve now had 6 months. After the accident with my first car I got behind on ALOT of bills and was also dealing with court and custody so to get to the point I wasn’t doing well financially. After completely recovering I was finally able to get into another car after returning to work and working for six months. Due to the accident i couldn’t work I had to have wrist and back surgery. So anyway I went without a car for a few months to work on my credit to be able to get into a car. I had gap so they paid out the remaining balance on my car which was only four payments haha. I got into a car accident and totaled my car. Please carefully read the Terms of Service.Okay so here’s the back story, I was in a desperate situation for a vehicle. This site is not for emergency questions which should be directed immediately by telephone or in-person to qualified professionals. To view the verified credentials of an Expert, click on the “Verified” symbol in the Expert’s profile. The site and services are provided “as is”. The responses above are from independent, freelance Experts, who are not employed by. Before acting on any information received from an Expert, you should hire a lawyer licensed to practice law in the jurisdiction to which your question pertains. Application of these general principles to particular circumstances should be done by a lawyer who has spoken with you in confidence, learned all relevant information, and explored various options. You should not read this response as proposing specific action or addressing your specific circumstances, but only to give you a sense of general principles of law that might affect the situation you describe. The Expert above is not your attorney, and the response above is not legal advice. is a public forum and questions and responses are not private or confidential or protected by the attorney-client privilege. Customer: No that's allĭISCLAIMER: Answers from Experts on are not substitutes for the advice of an attorney.
So my money and my car has been at a lost I don't know what to do what are my options JA: What state is this in? And when did the issue begin? Customer: Georgia the issue began in 2015 JA: Have you contacted the seller or manufacturer? Customer: Back in 2018 but not after JA: Is there anything else the Lawyer should know before I connect you? Rest assured that they'll be able to help you. No further information on the car if it was sold at auction or anything. They then turned around and sold the debt to another company who in turn came and repossessed the vehicle after I made all my payments satisfactory then exeter reported the debt to the credit bureaus as if no payments were made and shows it as a charge off of 24 thousand dollars which is not correct I have tried to get this corrected and removed but they will not correct it. I made a payment arrangement with the lender to keep my car that drafted automatically from my bank account every month. Customer: I had a car loan with exeter finance that went into collections about 6yrs ago.
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