Q: Is it legal for someone to keep mail from me in this kind of circumstance?
I got a car with my grandpa as cosigner. He later got diagnosed having dementia. My uncle then became person in charge of his affairs, his financials included. My vehicle was repossessed for non payment of three months. I didnt receive any notices. I later found out notices had been sent to my grandpa house but intercepted by my uncle. Mail was not given to me or told about it. Also a phone call between lender and my uncle took place and i was not informed of that either. Is there anything i can do here? Please help me in any way you can, thank you.
A: Were you supposed to make the monthly payments? It is not clear in your question.
Not a lot you can do to avoid this debt. Despite the lack of notice, you (or your grandpa) was required to make the payment. When the payment is not made, default occurs. The creditor can then proceed with repossession. Then the creditor may also proceed with collection of the deficiency (difference between the balance of the loan and the auction sale of the car). Collection is made against any or all parties who signed the loan.
There is a silver lining. Often these debts can be resolved for less than the full balance. I suggest you make efforts to resolve the debt, if you have the ability to do so. If not, and if you have other debt that you cannot pay, you may wish to consult with a bankruptcy lawyer.
Brent T. Geers agrees with this answer
Justia Ask a Lawyer is a forum for consumers to get answers to basic legal questions. Any information sent through Justia Ask a Lawyer is not secure and is done so on a non-confidential basis only.
The use of this website to ask questions or receive answers does not create an attorney–client relationship between you and Justia, or between you and any attorney who receives your information or responds to your questions, nor is it intended to create such a relationship. Additionally, no responses on this forum constitute legal advice, which must be tailored to the specific circumstances of each case. You should not act upon information provided in Justia Ask a Lawyer without seeking professional counsel from an attorney admitted or authorized to practice in your jurisdiction. Justia assumes no responsibility to any person who relies on information contained on or received through this site and disclaims all liability in respect to such information.
Justia cannot guarantee that the information on this website (including any legal information provided by an attorney through this service) is accurate, complete, or up-to-date. While we intend to make every attempt to keep the information on this site current, the owners of and contributors to this site make no claims, promises or guarantees about the accuracy, completeness or adequacy of the information contained in or linked to from this site.