In 2000 I purchased a 1998 Neon. Made payments to Americredit monthly.
In 2003, my daughter, my only child, passed away at the age of 20, due to an error during open-heart surgery. Had to obviously be out of work for some period of time and when Americredit contacted me about my monthly payment, I did explain what had happened. They were not understanding and came and took the car.
At that time, the car was five years old with 100,000 miles on it. I was willing to resume payments when I returned to work and being that my only child died, I was out for about a month.
It was not a refussal to pay my monthly payments. I was asking for a grace period, but the car was reposessed.
Now it is 2006, Americredit took the car over 3 years ago and I received a letter from Calvary Portfolio Services, saying that I owe $7,166.67 for the car that was taken from me due to the worst circumstances a parent can go through.
With the car taken back, and it was a 1998 Neon with 100,000 Miles on it, what am I being asked to pay $7,166.67 for? The car is not being returned upon payment and definitely this car is not worth the sum of $7,166.67.
It has been 3 years since my daughter died and I am still very sick from that, being she died to a medical error and nothing happened to the physician doing surgery. My daughters' funeral was over $10,000 and that does not include medical bills, etc. I have no money in my bank account.
This company even sent me a paper of companies that can refinance my morgage so I can pay for this car that I do not have. And I do not own a home. I rent a condo for $750.00 per month, as that is what I can afford.
I do not owe this money on an almost 10 year old car that I do not even have any longer.
Cape May, New Jersey