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dthom · 06-05-2009, 05:40 PM

MIchigan

My son was being sued a while back by a auto finance company, he had voluntarily turned a vehicle back in due to unemployment back in 2006. A year later they took him to court. He called an attorney who told him that in his response to the court he should ask for the case to be dismissed due to the fact that the reason he had to turn the car in was because he could no longer afford the $500 payment. Even a year later, with a family and all he was still not able to afford it. The attorney advised him to make a list of every bill he had, the cost of groceries, dr bills, any r/x , rent, even told him to detail down to the cost of diapers for his baby at the time. Then he was told to show what his income was. He came out in the red. When it got to district court, the attorney for the auto finance company said they could see there was no way he could afford to pay the deficiency on the auto loan after the auction of the car, and told the judge they were going to charge off the debt entirely. I have told this same thing to more than one cc company, I let them know that I would go to court if they chose to sue me, but how did they expect the judge to find in their favor when I could prove that I did not have the money to pay even a small payment to them let alone the amount of money they were asking for. So far I haven't been sued, but if I am prepared to fight. I have always been a good payor until all this mess happened. Now some of them act like we are all some kind of deadbeats who never intended to pay our debts. How do they sleep at night after making so many people feel like crap day in and day out.

Hope your second time with getting the mod filed goes faster. Like j-nice still waiting since January for word of approval from NACA.

06-05-2009, 05:40 PM	#38 (permalink)
dthom Senior Member Join Date: Oct 2008 Location: St.Clair Shores,Michigan Posts: 699 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: Naca dropped the ball!! MIchigan My son was being sued a while back by a auto finance company, he had voluntarily turned a vehicle back in due to unemployment back in 2006. A year later they took him to court. He called an attorney who told him that in his response to the court he should ask for the case to be dismissed due to the fact that the reason he had to turn the car in was because he could no longer afford the $500 payment. Even a year later, with a family and all he was still not able to afford it. The attorney advised him to make a list of every bill he had, the cost of groceries, dr bills, any r/x , rent, even told him to detail down to the cost of diapers for his baby at the time. Then he was told to show what his income was. He came out in the red. When it got to district court, the attorney for the auto finance company said they could see there was no way he could afford to pay the deficiency on the auto loan after the auction of the car, and told the judge they were going to charge off the debt entirely. I have told this same thing to more than one cc company, I let them know that I would go to court if they chose to sue me, but how did they expect the judge to find in their favor when I could prove that I did not have the money to pay even a small payment to them let alone the amount of money they were asking for. So far I haven't been sued, but if I am prepared to fight. I have always been a good payor until all this mess happened. Now some of them act like we are all some kind of deadbeats who never intended to pay our debts. How do they sleep at night after making so many people feel like crap day in and day out. Hope your second time with getting the mod filed goes faster. Like j-nice still waiting since January for word of approval from NACA.