Chrysler Capital Wrongful Repossession Nationwide

Your rebuttal doesn't make sense. If you had the funds to pay off the vehicle, why didn't you make the payment? That doesn't make any sense at all.

In your original post you said you were in the hospital for 3 weeks and that hospitalization kept you from making the payment on time. For the lender to say you have to pay the balance off in full indicates you were not making your regular payments on time and missed a payment date more than one time. As a result you have a recent repossession on your credit. Why would the lender that was stiffed by you take a chance and loan you additional funds for another vehicle with a recent repo? Don't you expect to have to show you are now creditworthy?  

By the way, it isn't the lender that trashed your credit - you did.  You can't blame the lender for your non-payment. Once you learn that lesson, you will be on the road to credit recovery. 

 I disagree with this when I got the car I signed a contract and yes it matters, I read my contract. I wasnt spoke to and there could have been other ways for me to pay. Now 3 weeks late seriously I the consumer was not even spoke to. I could have paid that car off. I could have been refinanced and my car had full coverage plus gap insurance plus a under warranty why didnt my insurance get a chance to pick it up? they knew about this accident. How about this also if my car autioned for over $15,000 then$ 3,800 is all they want to wipe it off my credit. Thats strange to me I know they know there wrong and I am sure the truth will prevail. The contract is me not a stranger in my home and them just picking up my car ruining my credit. I am right sorry.

When you got the loan you made a legal agreement that they could reposess your vehicle at any time they feel you will be unable to complete the loan.

There is NO minimum amount of time you must be delinqnent for before it becomes a "valid" reposession. Accident or not, you are still required to make the payments as you had agreed to.

In your case they contacted your residence and were told to come and get it.  There is also no obligation for them to allow you to just pay the delinquent balance.  If they feel you aren't going to be able to complete the loan they can require you to pay off the balance in order to get your car back.

The $3800 now(figuring you never got the car back) is the deficency balance between the loan balance and the sell price at auction minus any fees. If you fail to pay this they can come after you in civil court and attempt to get a judgement against you.

As for them contacting someone at your house. Sorry that is NOT illegal, you are most likely thinking about laws such as the Fair Debt Collection Practices Act(FDCPA) that states a Collection Agency is not allowed to  discuss your account or mention the reason they are calling except to you. Chrysler is an ORIGINAL Creditor and the FDCPA does not apply and they do not have any such restrictions.

Now before you even say it NO I do not work for them, just familar with how auto financing works.  Also, that it doesn't matter what company you are talking about they all basically work the same.