rginco
Nov 22, 2008, 10:19 AM
Hostory: I leased a vehicle 8 years ago. It was a three year lease. At the end of the lease I waited to turn it in for a couple weeks and they reposessed the vehicle. At first, I thought it is stolen. I found out the came and picked it up. I called them and they said I still owed a payment. After getting nowhere with then I pleaded with them to let me pay what they said was the final payment but the said they couldn't do to the fact they already picked up the vehicle. I still feel I paid all the payments. I mentioned to the it doen't make sense to go to the end of the lease and not pay the final payment but they were unwilling to accept the additional payment. Two years later they placed a judgement on my credit for what they felt I owed after they auctioned the vehicle. They debt is now 16,000 dollars. An attorney in another state must have purchased the debt two years after that and have called me 6 months ago. I told them what happened and that they need to investigate it themselves. There was no way I wanted to pay 16,000 for a vehicle I don't even own. The vehicle was not damaged or anything like that when it was picked up so I don't understand the amount.
I lost my job last month and the company tried to deny the claim. Unemployment reversed the decesion and sent me a check for $600. I cashed the check and deposited $300 in my checking account yesterday to pay my power/gas bill to avoid turnoff. We did a check by phone the evening before the deposit. When we checked our account the money was there but it showed $0 available. I called the bank and they said there was a "Levy" on my account from and attorney referencing Ford Motor Credit. In essence my account is frozen. I have no money, I have filed for food stamps for my family and am trying to get assistence on my utilities. I don't know what to do. I was never sent anything from the attorney or the state regarding this. I just had a phone call to the Vegas attorney who bought the debt. I need to pay the power bill, the bank won't allow my wife to take the money out (debt in in my name but the account is joint). What can I do, I have nothing left and am facing being on the street with my family.
I lost my job last month and the company tried to deny the claim. Unemployment reversed the decesion and sent me a check for $600. I cashed the check and deposited $300 in my checking account yesterday to pay my power/gas bill to avoid turnoff. We did a check by phone the evening before the deposit. When we checked our account the money was there but it showed $0 available. I called the bank and they said there was a "Levy" on my account from and attorney referencing Ford Motor Credit. In essence my account is frozen. I have no money, I have filed for food stamps for my family and am trying to get assistence on my utilities. I don't know what to do. I was never sent anything from the attorney or the state regarding this. I just had a phone call to the Vegas attorney who bought the debt. I need to pay the power bill, the bank won't allow my wife to take the money out (debt in in my name but the account is joint). What can I do, I have nothing left and am facing being on the street with my family.