No. We voluntarily gave back a vehicle and we are now being harassed for a residual balance that we don't have. The only income we have is ss and va disability. We had to do the repossession due to poor health and don't have the money to pay back the money.
Ellen, I forgot to ask you in my first question, what about our checking account? We don't have a savings account just checking. Can't really close it because we have direct deposit and he can't get his VA unless we have direct deposit. Sorry to ask all these questions, but I am between a rock and hard spot. My husband is gravely ill and I need every penny we have to keep him afloat.
Ellen, I printed out some information off the computer a while back (I got your website from this printout) and it mentioned we had to fill out some paperwork and submit. Do you know where we need to get this paperwork and where we need to submit it or do we need to do nothing being that we are protected from garnishments as previously stated. We are in the State of North Carolina.
Thank you so much again. This is particularly hard because we are senior citizens and with dealing with health issues too leaves us a little uneasy. If the bank would have worked with us in the beginning we wouldn't of had to give the vehicle back. The gentleman I spoke with on the phone the other day was rude and immediately wanted a credit card and/or a debit card number and of course I refused. I guess at this point it is their loss.
Don't understand your answer. Do you mean talk to any bill collectors.