Ameristar Financial Services Illegal repossesion ripoff Libertyville Illinois

Ann,

Ameristar are just debt collectors and junk debt buyers. On this one, you need a lawyer right away, as that repo was illegal.

Your first mistake was initially speaking with them. NEVER speak to any collector on the phone.

Your second mistake was paying them. NEVER pay a third party debt collector or debt buyer. When you paid them you affirmed the debt to them.

This is where your problems started. Call the police and file a report for illegal repossession.

Where is your original contract? If you have this you should know what is owed. Why would you pay anything different?

Also, your original creditor was required by law to inform you of the sale of your contract. AND, them selling your contract does not change the terms at all. Did you get a notice of sale of your contract from your original creditor?

Get a lawyer right away or you will lose your truck.

And, they don't actually come from Illinois and pickup your truck, it will go to auction right there in CA.

You should have sent them a debt validation request as soon as they said they purchased your contract. You should have requested proof that they purchased it.

Stay off the phone, do everything in writing and send by certified mail, return reciept requested. Put the certified# on the letter itself, and keep a copy for your records.