Jim
Orlando,#2Consumer Comment
Sun, October 07, 2012
You go ahead and get an attorney. Maybe he/she will be kind to you and try not to laugh. Here's some FREE legal advice. Just like Ken said YOU are with a subprime lender because YOU gave yourself bad credit by not paying YOUR bills on time. Of course that was before you took out this loan. Here we are today with a new loan and right on time just like clockwork YOU continue to not pay YOUR BILLS on time. Because YOU gave YOURSELF bad credit, YOU also gave yourself a very high interest rate and a subprime lender whoch allows very little wiggle room.
You cannot unwind the deal because you want to continue to not pay your bills on time. You can declare bankruptcy but you need money to do that and you will no doubt loose the car. There is one option however but I doubt you will take it...get a part time job to supplement your income. You can cry, whine and wail all you want but unless you learn to manage your money and pay your bills instead of being a serial deadbeat then you might as well just ask to volunteer for a lifetime job in the south pole region.
Ken
Colorado,#3Consumer Comment
Sat, October 06, 2012
Pay your payment, in full, on time, EVERY time.
Trust me, the calls WILL go away.
With your history of bad credit, you had to deal with a sub-prime (deadbeat) lender like this one.
They've heard every excuse possible, on a daily basis, and don't believe ANY of them.
You should be happy, when they repo this one, you may not get ANY loan in the future...see, no more collection calls...LOL.