automotive services finance they are horrible Virginia Beach Virginia

If you have such stellar credit, why are you being financed by a sub-prime (deadbeat) lender?  Oh yes, you're feeling so generous that you love paying a higher interest rate than a bank would charge.  Right...that's it...the goodness of your heart story.

In typical deadbeat fashion, you are a legal expert too!  I suggest you re-read the texts you were presented in law school so you can see what you missed the day you cut class.

Of course, since you don't like and don't have any intelligent rebuttal, its the old, "you must work for them" song and dance.  Yes sir, this is the icing on the cake, Einstein!

 jim you're a genius! How did you know so much about my personal finances and how I don't pay bills on time or how banks won't lend to me (which they have recently BTW) you're really good at assuming too bad you don't get paid for it. I'm not defaming ASF they made a bad name for themselves have you read the reviews? So you know so much did you know it's illegal in Virginia to repossess a car before 10 days after payment due date? They did it in 6 I would have sued and won! They are crooked in my opinion. As far as knowing someone like the person you described I'm guessing it's you because surely the only way you'd know about them is if you 1 have bad credit and no one would lend to YOU or you're affiliated with the company. So what brought you to this page? Are you doing a research paper on them? Or were you notified that yet another unsatisfied consumer thinks ASF is crap? Which one?

If the payment is due on the first, then 12:01 A. M. it becomes the second of the month and the payment is LATE.  Grace period has NOTHING to do with determine when a payment is LATE. 

This place is a SUBPRIME lender with whom you were PLACED because no bank wanted to do business with you because of your self-developed reputation of NOT paying your bills on time...just like now.  SUBPRIME lenders manage their accounts very closely because far too many of their borrowers continue not paying on time.  Do you think you might know somebody like that???

Quite frankly, you can come here and defame them all you wish but the real purpose of your wailing is you want to make your payments when you want to and in the amounts you want...in other words...NOT living up to the contract YOU signed and of course, as you have demonstrated, in typical subprime fashion.

Let me save you some time and effort.  Don't bother writing back claiming, "you must work for them" because I don't!