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I got a title loan in September. I had just paid one off…

I got a title...

I got a title loan in September. I had just paid one off with the same people and got another one. I hit hard times and became homeless. I finally got a home through section 8. I receive SSI disability. They are threatening to take out a warrant for me if I don't surrender my vehicle. What can I do?

Lawyer's Assistant: Since laws vary from place to place, what state is this in? And when was the warrant issued?

Tennessee. They are threatening to take a warrant out today

Lawyer's Assistant: Have you talked to a lawyer yet?

Yes. He said it was a scare tactic to surrender vehicle

Lawyer's Assistant: Anything else you want the lawyer to know before I connect you?

It is a high interest loan. They do not want you to be able to pay. They want your vehicle. I was desperate to get power on in new home or I could not move in. I want to pay. I can't afford to pay all of it at once. They won't even tell me what I owe until I surrender vehicle

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Answered in 5 minutes by:
12/11/2017
Legal Eagle
Legal Eagle, Lawyer
Category: Legal
Satisfied Customers: 12,287
Experience: Licensed to practice before state and federal court
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Hello! I am a licensed attorney, admitted to practice in state and federal court. I have a nearly 100% satisfaction rating (click here for more info) so all that means is that you can count on me to help today. Because I want to provide you with the most accurate answer possible, do you mind if I take a moment to review your question?

Please keep in mind that our conversation does not include an attorney-client relationship and this is for general information purposes only.

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Thank you for your patience and I'm sorry to hear about your situation. So, generally, if a debt collector says you owe a debt, it is against the fair debt collection practices act for them to threaten you with arrest if you don't pay up. You may want to consider just writing a cease and desist letter advising them that federal law prohibits their actions and you could be entitled to damages if they continue. Lawyers use letters like these often to enforce their client’s rights. Here’s a website that has a good template (click here). It only costs $10 and it is way cheaper than litigation.

What other questions did you have for me today that I can help you out with:-)?

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Customer reply replied 6 months ago
No other. Thank you!!

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Legal Eagle
Legal Eagle, Lawyer
Category: Legal
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DISCLAIMER: Answers from Experts on JustAnswer are not substitutes for the advice of an attorney. JustAnswer is a public forum and questions and responses are not private or confidential or protected by the attorney-client privilege. The Expert above is not your attorney, and the response above is not legal advice. You should not read this response to propose specific action or address specific circumstances, but only to give you a sense of general principles of law that might affect the situation you describe. Application of these general principles to particular circumstances must be done by a lawyer who has spoken with you in confidence, learned all relevant information, and explored various options. Before acting on these general principles, you should hire a lawyer licensed to practice law in the jurisdiction to which your question pertains.

The responses above are from individual Experts, not JustAnswer. The site and services are provided “as is”. To view the verified credential of an Expert, click on the “Verified” symbol in the Expert’s profile. This site is not for emergency questions which should be directed immediately by telephone or in-person to qualified professionals. Please carefully read the Terms of Service (last updated February 8, 2012).

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