Expert: Barnette Law Offices, LLC - 5/4/2009

Question
I bought a 2003 Sebring LX that was a problem mechanically from the first week I bought it, it costing me nearly $5,000.00 in repairs. I lost my job and was a little behind but always payed up then in December 08 the transmission died in this car and I called the credit union I have done business with since 1991 to say I am asking that you help me with buying a transmission because I cannot make payment and put a new transmission in. They refused to give me the $1400.00 even thought I told them to attach it to my account.  I told them I had been drained by this car and would not be able to fix it and make the payments so I would be turning it in.  They said okay I left it at the car repair I gave them all the information needed to pick up the car and cleaned it out for them.  I was told it was out of my hands now but they sent me a bill for $7800.00 and when I asked what they sold it for they told me it was out of my hands! What am I expected to do legally?  I cannot believe I should pay the total amount of my debt if they sold it for what I owed maybe the balance but not the total amount.

Answer
Rosary:

You are only obligated for any deficiency between the note balance and what they sold it for.  If you're in Tennessee, we may be able to assist insofar as Barnette Law Offices, LLC, does take consumer protection cases.

Jason Barnette
Barnette Law Offices, LLC
1800 Hayes Street; Suite 122
Nashville, TN 37203
615-585-2245
info@barnettelawoffices.com
http://www.barnettelawoffices.com