Driver Job Source
Wednesday, September 1st, 2010
Driver Job Source
I have a credit card debt collection agency trying to take my Toyota 1993 to cover a small debt of $ 1,500?
I have no job and my only source of income is Social Security disability. I have 4 children, too. Due to credit card debt of about $ 1,500, an agency collection here in NJ is threatening to take my old Toyota to cover the debt, because they can not find money under my name. Can they do this? "I can register my car under the name of my wife, although she has no driver's license? Would be registered under his name, but I will be the conductor. I'm trying to hide my car from the agency collection by the registry under the name of my wife. a lawyer told me that the collection agency will not bother to go for a car that old. It would not be profitable. However, I have heard some scary stories about people whose cars have been confiscated by former collection agencies and unscrupulous auction. Man, I need my car so bad I would like kill someone for it. Any ideas? Anyone?
First, read about the Federal Fair Debt Collection Practices Act "and learn their rights. It will be intimidating and the information that the law will help tremendously Some points of law that may be able to help you: a) They can not call you to hours wicked b) They can not threaten to garnish wages or take anything that you need until after they have sued. This car is not connected to your debt (your other than I hear horror stories that people REPO the car - which can not be yours if your repo'ed free and clear, they must attach AFTER you demand when they win the lawsuit) If they do anything above, you may file a complaint with them with the FTC or your overall status. Record your conversations and tapes turn on the attorney general! Defend You have rights.
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