Q: I need to know my rights regarding a car that was reposessed even though I paid every month for two and a half years
I made payments on time every month for 2 1/2 years on a car through Credit Acceptance. In December they received the payment after the due date (maybe due to Christmas I'm assuming). Instead of calling me to let me know (I would have paid the late fee) they reposessed the car with no notice. I called and asked why they didn't let me know and got nowhere. They had no right to reposes it in the first place. Now they keep calling me harassing me. I don't want this on my credit report. I have good credit and did nothing wrong. I am looking for an attorney to help me. I live in Holbrook NY. When my wife checked online with BBB there were numerous complaints about this company (we didn't check them out beforehand).
A: You may be able to sue them. Have a lawyer review all related communications and agreements. The best first step is an Initial Consultation with an Attorney. You can read more about me, my credentials, awards, honors, testimonials, and media appearances/ publications on my law practice website. I practice law in CA, NY, MA, and DC in the following areas of law: Business & Contracts, Criminal Defense, Divorce & Child Custody, and Education Law. This answer does not constitute legal advice; make any predictions, guarantees, or warranties; or create any Attorney-Client relationship.
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