Creditors and Bankruptcy/car repo?

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Expert: Regan Shinski - 7/13/2010


Question
I have purchased a truck back in February and paid 2500 plus a trade in. I have made all payments and have a clear and free title in my name only with no lien holders. The place I have gotten the truck from has tried to threaten a repossession and is missing the 2000 dollars on their paperwork but I have the bank statements and receipts to verify the payments. They are also arguing the trade in. Like I said the title is in my name only and I have not allowed the car to be repossessed do they have anything to stand on in a case? I am debating taking them to court and suing them for harassment

Answer
Hi Steve:

Sounds like they don't have a case if it is like you say.  They key will obviously be clean title and receipts.  If fact,if they repo the vehicle, I would report it stolen.  Keep a copy of the title and your paperwork out of the vehicle in case they take it.

You could try a harassment case but "honest" disputes over civil matters are difficult for harassment cases.  Harassment is calling very early or late, obviously excessive calls, and threatening or sometimes vulgar contact.  You need a record or legally recorded calls as evidence.  You may want to look into cease and desist options in your state or court system.

Good luck,
Regan

Creditors and Bankruptcy

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Regan Shinski

Expertise

I can answer questions on collections, repossessions, bankruptcy, credit repair, credit counseling, FICO scores, credit planning, and the cause and effect of credit related decisions. I can also answer questions on collection settlements and preparing to sue your creditors for false debts and credit reporting.

Experience

Fifteen years ago I was financially devasted due to severe health issues. I filed bankruptcy, had a foreclosure, car repossession, tax lien, and ruined credit. I immersed myself in credit law. I settled dozens of accounts and had them removed to improve my credit. I personally sued four creditors and collection agencies and won cash settlements for their false reporting on my credit reports. Since then, I have completely recovered and have nearly $100,000 in revolving credit lines and perfect credit. I have owned a credit repair company for the past five years and have an additional three years of specific work in the collections and debt management industry. I am fully versed in the Fair Debt Collection Practices Acts (FDCPA), Fair Credit Reporting Act (FCRA), and have used them successfully in collection settlements and lawsuits for myself and others. I am also familiar with and abide by the Credit Repair Organizations Act (CROA). I have deleted or helped delete literally hundreds and hundreds of derogatory items from consumers' credit reports and helped negotiate many settlements with collection agencies and creditors. I have also advised people on bankruptcy at any stage. In the current credit market, I have successfully advised numerous people on how to obtain credit and how to negotiate for better terms.

Education/Credentials
BA - University of Minnesota

Past/Present Clients
(private)

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