Drivetime DTCredit Corp Harrassment Phoenix, Arizona

"By the way bankruptcy WILL NOT stop the reposession. "

   In many cases, if you tell a creditor that you are going to declare bankruptcy, that will often cause them to stop collection efforts and move straight to repossesion.    The idea is to do the reposession before the bankruptcy is offically filed.   This is often done so that the creditor can bypass the delays that are incurred once the debtor officially declares.  

  Telling a creditor that you are going to declare bankruptcy is a dumb move.  There is no upside and a very large downside.

While you didn't say what the "threats" were, if you are not paying your loan I would bet that the "threats" are that they are going to reposess the car.  Well I have news for you..that is NOT a threat.  The loan is secured by the car, and if you are delinquent they not only can reposess it.  They WILL reposess it.  Once they reposess it they will sell it at auction and you will still be responsible for the remaining balance.

By the way bankruptcy WILL NOT stop the reposession.  It may stop the calls and delay it for a while.  But in the end unless you make the payments, they will reposess it.  The only difference here is that they won't hold you responsible for the balance if it is reposessed.

It doesn't matter what fianance company you are with, they would all be doing the same thing if you are delinquent.