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Gerald, Esq
Gerald, Esq, Lawyer
Category: Legal
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Experience:  30 years of experience
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I am a Condor Capital Customer and Just the day after

Customer Question

I am a Condor Capital Customer and Just the day after Christmas, they sent someone to repossess my car, call local police, the driver didn't have any paperwork, was forced to drop the car. I never received any paperwork, no phones calls prior to this happening. I've only received two phone calls, saying I owe ungodly amounts of money and how I intent on paying, and I told them as before, I'm not the owner and just the consignor, no, I'm the owner, this needs to resolved, don't know where to start, the place we purchased the car might have done, but anyway my daughter got her taxes and was trying to pay and avoid the repossession guys, and I went to pay the amount she owes, and Western Union are banned from accepting payments for them, they informed me to do a money gram, which we have tried before, what should we do. Oh not to mentioned this would have been the third repossesion. My question is what to do?
JA: Thanks. Can you give me any more details about your issue?
Customer: Three of her car payments came up missing, sent through mail, western union. They didn't care, we proved we sent them and late fees, admin fee, all type of fees kept surfacing and the bill higher, As of today they say she's 285 days behind and owes 3315.52. My daughter last payment was in December 2015.
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Submitted: 1 year ago.
Category: Legal
Expert:  Gerald, Esq replied 1 year ago.

Hello,

Thank you for using Just Answer. I want to provide you the best service I can. Please feel free to ask any follow up questions you have.

I am an attorney with 30 years of experience; I hope to provide you information that will help you in resolving your question.

It sounds like the company may be violating the federal Fair Debt Collection Practices Act. This federal law regulates the manner in which a company may collect a debt. It also sounds like they may have violated state laws pertaining to repossion of the car.

There are three steps that you can take:

1) File a complaint with the Federal Trade Commission. See here:

http://www.consumer.ftc.gov/articles/0149-debt-collection

2) File a complaint with the State Attorney General

Google the name of your state and Attorney General. Look for the Consumer Protection link.

3) Bring a private action against the company for these violations. See here:

http://www.nolo.com/legal-encyclopedia/damages-fdcpa-violations.html

Attorneys who do Consumer Protection work will meet with you at little or no cost to assess your situation. SInce the Law provides that the collection agency must pay attorneys fees (as well as statutory and punitive damages) for violations of the law, you have no reason not to at least speak with a consumer protection attorneys.

This link can help you find an attorney:

http://lawyers.findlaw.com/lawyer/practice/consumer-protection

The attorney can also help you defend against the debt as well as pursue damages for you.

I hope the information I provide is useful to you. I want you to be comfortable and satisfied with my attempt to assist you. Please, if you have ANY follow up questions, feel free to ask. Please note that I am generally unavailable Friday evening through Sunday.

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Good luck.

Please note: Information is educational and not given as legal advice. Only your local attorney can give legal advice. I can't establish or accept an attorney-client relationship with you. All posts are available for public viewing.

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