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With the credit market on a brink of collapse, the future of having good credit will be paramount. Loans will be near impossible to obtain with strict lending practices around the corner. Debt collectors and Law offices will use even stronger tactics to recover more of your hard earned money. Protecting you and your credit has to be a top priority. In 2000 Ontrack Financial Group llc founded the credit arbitration movement. More and more companies entered into the arena and new business models joined old ones. Only one company has the attitute and aptitude to truly assist our clients. Ontrack Financial Group llc is that company! With our proven credit arbitration solution, you can become Charged Off Debt free within three years or less. Our clients have eliminated their Charged Off Debts with our service and avoided communication with collection agencies and law offices in the process. Since the inception of Ontrack Financial Group™, we have continued assisting our nation-wide clientele with their burdensome unsecured debt and has enrolled thousands clients in its programs, managing millions of debt for its clients without one complaint. Ontrack Financial Group™ is a for-profit, private company and is not affiliated with the credit bureaus or the credit industry. As a result, our services are unbiased and independent, which allows us to better serve the consumer.

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Creditors and Bankruptcy - Current Car Loan

Expert: Ontrack Financial Group llc - 11/4/2009

Question
Hello,
I have a car loan that is current, I pay it every month. I have a 10 day grace period to pay it if I cannot on the due date. However, if I am 5 days past due I receive at least 5 or 6 phone calls a day from them...as well as my parents.

Back in Jan. and Feb. I fell on hard times and became 30 days late for ONLY those months. Ever since I have made the payments close to or on time. They are a company from California, so I was wondering, are they allowed to do this?

Thank You,
Sara

Answer
Dear Sara,

Thank you for your question.

Yes, the company is allowed to contact you if the payment is a day past due.

They can not however speak about the debt with your parents. They can only ask for location information. If your parents tell them to stop contacting them the creditor must stop.

Warm Regards,

Ontrack Financial Group llc

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