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Found 8 results

  1. I leased a 2015 Nissan Altima in 2015 with 77 miles on it. A few months after I bought the car I had a lapse in my insurance and during that time was involved in an accident, I was unable to drive the car anymore and was unable to afford to get the car fixed without the insurance. Eventually, the car was repossessed and I moved on. Shortly after they sent me a letter stating that I owed $26,913 on the car, this is also reported on my credit. I am now (4 years later) trying to buy my first home, but having this on my credit is really hurting my chances. Does anyone have any experience with
  2. Today I received a summons at 6:40 in the morning (that was a great wake up call). It stated I was being sued by Gurstel Chargo who were representing Razor Capital. They are suing us for a car that was repossessed in 2014. In the documents they showed the original contract, the letter stating it was going up for sale (no exact date or time just sometime after July 21) and that if j wanted to stop repossession I would have to call them to find out the amount of money. I had never received notice of any belongings I had or how to get them etc. fast forward apparently the car was sold late August
  3. Hi everyone! This is my first time posting, but I've used this site to get my credit score up from a 503 in the beginning of 2015 to a 633 today! Pretty awesome. The last thing that need to get handled on my credit report is a car that was repossessed in 2013. However, the interesting thing is that on my credit report it isn't showing as a repo, it's just showing as a delinquent loan. It's about $10,000 with Regional Acceptance. I know I'm going to have to pay them, however I'm worried that if I contact the company it will be reported as a repo so I'm not sure how to approach this situation.
  4. Hi everyone! This is my first time posting, but I've used this site to get my credit score up from a 503 in the beginning of 2015 to a 633 today! Pretty awesome. The last thing that need to get handled on my credit report is a car that was repossessed in 2013. However, the interesting thing is that on my credit report it isn't showing as a repo, it's just showing as a delinquent loan. It's about $10,000 with Regional Acceptance. I know I'm going to have to pay them, however I'm worried that if I contact the company it will be reported as a repo and I would prefer to avoid that if it's po
  5. Hi everyone, I sure hope that I'm posting this in the right place. I had some questions about credit reports, collections, and closed accounts. So here's the thing: Before my wife and I met, she had a car loan and then lost her job. The car was repossessed and then sold at an auction. The company wanted her to pay the difference between her loan and what the car was sold for. She still did not have work so it didn't go over well. Eventually she stopped receiving bills and contact of any kind. I'm trying to figure out what the statute of limitation for collections is (in NV it appears to be 6
  6. I sent Santander a version of WhyChat's letter. They didn't give any of the notices required by UCC laws to claim a deficiency for the car they repossessed and sold. So I sent the letter and a few days later, they sold the debt to Cascade. I guess I wait for letters and dispute. Any advise??
  7. Need help with a JDB in South Dakota, I apologize if this is in the wrong place!! What happen; Car repo in 2011 Bankster sold vehicle Bankster notified me of this action Heard nothing else from them Where it’s at; Received summons & complaint in 2014 to an action to this from an atty. Representing a collection agency. I had received noting else from them previous to this S&C Notified them of this and asked for a validation and never to contact me again until they do produce. Received some documents but not the ones I was looking for because on my credit report it has a different ac
  8. I've been working on my fiance's credit score since I've long cleaned up mine and I'm a bit worried about one account that he has on there from an old auto loan/repo date of last payment in 03/2009. We are in Georgia and the SOL is 6 years. He is not worried as he said he was served while he was living with his sister and her sister in law was visiting and told the police that he did not live there because she didn't know any better. I guess this was in 2010 this occurred. The account is showing charged off as of now. Will trying to rebuild his credit alert them to come after? Is it s