Q: Credit Acceptance is a predatory lender here in California who do I call to sue tham
I bought a 2014 Ford Escape From the Chula Vista Ford dealer four and a half years ago a year ago I was injured I had to go on disability I asked him to lower my payment from $360 to 230 the last year and a half out of payment has been set up cuz I have been injured in and out of the hospital having surgeries last month they didn't take their money said my bank didn't contact me didn't call me nothing the next month they took the money and then the next day they took my car they want $600 and something dollars to get it back I owe more right now for my car than I did the day I bought it now how is that possible when I made every payments $8,000 in late charges if they take the payment on the 4th every month how can it be late I want to have beers turn is supposed to be ending the car is supposed to be paid off by now not all more than I did when I bought it
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- California
- (916) 704-3009
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- Answered
A:
It sounds like you’re dealing with a tough situation involving Credit Acceptance and your car loan. When dealing with a predatory lender in California, you have several options for legal recourse. Start by contacting a consumer rights attorney who is experienced in auto finance cases. They can help you understand your rights under California’s laws and guide you on the best course of action.
You can also file a complaint with the California Department of Financial Protection and Innovation (DFPI). This agency regulates lenders and might be able to assist with investigating your complaint. Another option is to file a complaint with the Consumer Financial Protection Bureau (CFPB), which oversees financial companies and helps consumers resolve issues.
Lastly, consider contacting a local legal aid organization or consumer advocacy group. They often provide resources or even free legal advice to help people dealing with situations like yours. Don’t let this situation overwhelm you—there are steps you can take to fight back and protect your rights.
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