Ford Motor Credit (i know, yuck!) repossessed my car in February of 2008. I immediately went and redeemed it, paid all past due payments, lots of fees etc. Then I called them again and asked for all of my personal belongings which were in the car to which I never got back. They also stated they were redoing my payment cycle and I would receive statements soon letting me know when to make the payment. Keep calling still no statements, next thing I know they come back and repo the car. What I am wandering is if I have an legal recourse seeing as how I could have made the payments had they have sent me the statements used to make the payments. In addition, they are now coming after me fore $9900 in deficiency balance. Thanks for any advice!
Also, planning to file Ch 7. but now many of my creditors are offering to accept 30-50% of the original balance ...wandering if thats a better idea or not ?
Also, planning to file Ch 7. but now many of my creditors are offering to accept 30-50% of the original balance ...wandering if thats a better idea or not ?