I had some bad luck with the whole recession that happened. It didn't effect some and some have it a lot worse than I do (I was at least able to find a job). My concern is that I had a loan I wasn't able to pay anymore and when I wanted to sell the item HSBC told me that they wouldn't release the title for me to do so (it's kind of hard to sell something without a title or lien release but I understand where they are coming from).
So I went to my next and last resort, I vuluntarily repossesed my item and waiting for what to do next, it was my first time ever doing anything like this and I had no idea what to expect. I was finally contacted by Alliance One and they informed me that I still owed almost all of what I paid for the item and interest was back charged on top of that. I quickly paid $1400 as my first payment to try and get the debt paid because they said they could move money around and discount it. I have then not been able to pay more than $250 - $500 per month on the $8900 settlement, eventhough they demand the debt is fully paid within 5 months or it goes back to the original $11,600. I want to pay my debt, it's my debt and I'm responsible for it but they wont work with me and twist my words around as I'm trying to be the nice guy and work with them. The last thing I want to do is tell them tuff I'm done paying, but until we can work something out I don't know what else to do. If anyone out there has any ideas I'm so far beyond the point of being mad that I just want to be done with them, I've never hated anyone in my life and I wish for everyone at Alliance One to be in the situation I am with someone harrassing them on the other end of the phone.
I think this turned more into me venting but if someone does know anything I can do to pay my debt without paying it two times over please let me know.
Sauk City, Wisconsin