Robert
Irvine,#2Consumer Comment
Mon, March 22, 2010
First of all there are no laws that protect you when you have an "intent" to file Bankruptcy. Until you actually file the BK you are not protected under any of the Bankruptcy provisions. I know why you did it, you like many people probably felt that they would much rather take some money than no money if you file for BK. They(and I mean just about any finance company) hears this on a daily basis and could care less. Then as you found out this is often not the case. In fact your notifiying them of your "intent" was probably at least an indirect cause of your car being reposessed.
So the main question is did you actually FILE your Bankruptcy petition before they Reposessed the car. That does not mean just getting the paperwork together. That does not mean just thinking about it. That means filling out all of the declarations and filing it with the Bankruptcy Courts, paying your fee and getting a case number.
The next question is if you did file before it was reposessed. How much time between the time you filed and when it was reposessed passed before it was reposessed.
Normally this is a question that should not need to be asked, but since you did file Pro Se. Did you actually include them in your declaration as a creditor, so that they could be properly notified.
Millie
Clearwater,#3Consumer Comment
Mon, March 22, 2010
This happened to me as well. Almost exactly.
If you are really interested in getting involved with a class action type suit I am more thatn willing to join you. I am still fighting with this company. This is the worst company you can ever deal with, you are better off dealing with a "buy here/ pay here".