If you don't have enough money to cover the back payments, you may be able to arrange for a partial reinstatement or a new payment plan.
DOES EXETER FINANCE REPO CARS FREE
Many attorneys are willing to provide a free consultation, so you don't have anything to lose in at least talking to someone, even if you ultimately decide you cannot afford an attorney.Bar associations also often have attorney referral programs, where you describe your situation and are matched with attorneys who are best able to help you.
Many local bar associations have searchable directories on their websites. To find an attorney, look for a consumer debt or credit attorney who is licensed to practice in your area.If the lender is unwilling to negotiate with you, an experienced consumer rights or debt attorney may be able to help you work with the lender to get your car back. X Research sourceĬonsider consulting an attorney. Keep in mind that even in states with laws that give you the right to reinstate your loan, you have an extremely short period of time – typically 15 days – after your car has been repossessed to request reinstatement.Make sure you read up on your state's law and understand your rights before you call. If you live in a state that provides you with the right to reinstatement, you're on better footing – even if reinstatement is not included in your loan agreement.Your lender will send you a written notice with the reinstatement quote and the amount of money you must pay to bring your loan current. Ask your lender for a reinstatement quote.Having an existing relationship with the representative may help your case. If you've previously dealt with a certain individual, you may want to speak with him or her first.Unless your lender has a dedicated line for repossessions, you typically can call the lender's general customer service number. Please carefully read the Terms of Service.Contact your lender. This site is not for emergency questions which should be directed immediately by telephone or in-person to qualified professionals. To view the verified credentials of an Expert, click on the “Verified” symbol in the Expert’s profile. The site and services are provided “as is”. The responses above are from independent, freelance Experts, who are not employed by. Before acting on any information received from an Expert, you should hire a lawyer licensed to practice law in the jurisdiction to which your question pertains. Application of these general principles to particular circumstances should be done by a lawyer who has spoken with you in confidence, learned all relevant information, and explored various options. You should not read this response as proposing specific action or addressing your specific circumstances, but only to give you a sense of general principles of law that might affect the situation you describe. The Expert above is not your attorney, and the response above is not legal advice. is a public forum and questions and responses are not private or confidential or protected by the attorney-client privilege. Customer: No that's allĭISCLAIMER: Answers from Experts on are not substitutes for the advice of an attorney. So my money and my car has been at a lost I don't know what to do what are my options JA: What state is this in? And when did the issue begin? Customer: Georgia the issue began in 2015 JA: Have you contacted the seller or manufacturer? Customer: Back in 2018 but not after JA: Is there anything else the Lawyer should know before I connect you? Rest assured that they'll be able to help you. No further information on the car if it was sold at auction or anything. They then turned around and sold the debt to another company who in turn came and repossessed the vehicle after I made all my payments satisfactory then exeter reported the debt to the credit bureaus as if no payments were made and shows it as a charge off of 24 thousand dollars which is not correct I have tried to get this corrected and removed but they will not correct it. I made a payment arrangement with the lender to keep my car that drafted automatically from my bank account every month. Customer: I had a car loan with exeter finance that went into collections about 6yrs ago.
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