Automobile acceptance Corp in Riverdale Ga Automobile acceptance Corp Ripped Me off Pushed me into bankrupcy Riverdale, Georgia

trashed the car or parted it out though.

Don't deal with these SCUMBAGS!

Who's name starts with a C, by any chance? Where is it heartless to point out facts that are irrefutable. Your only chance in clawing your way out of this morass is to take responsibility for your finances. Don't finance what you can't reasonably afford to pay going forward. Don't finance under the expectation that nothing will trip you up down the road, like loss orf a job, etc. Keep as liquid as possibly. Drive an old clunker into the ground if necessary to avoid being tied to a sinking car loan. nobody here put you where you are. And all out empathy and sympathy isn't going to get your car back, or enable you to freely own one in the future.

They weren't nice to you; they could even be said to have been miserable to you, granted, but they did not rip you off.

Nobody should have to buy a car from a place like this which specialize in old, worn out, tired, high mileage junk. Nobody should have to pay 28% APR for a loan. But bad credit is not like some incurrable fatal disease which you suddenly contract thru no fault of your own. No matter how it is presented, your reputation for bad credit DID happen as a direct result of your actions. You just didn't wake up one day with a credit score of 400 when it was 850 the night before. What you are experiencing is what happens when you do not take these responsibilities seriously. When you sign a contract, the due date is not optional. They did their part by financing you. In return, you do your part to pay them back on or before the due date. There are ZERO excuses, extenuating circumstances or life situations which make that due date go away...EXCEPT ONE...your death! If you don't have the money to meet your monthly bills then you go out and get it with an additional job or part time work on weekends. You just don't sit around and ignore the due date...you take action! Bottom line is you put yourself into this exact situation but the good news...no...the fantastic news is you can get yourself out of it by putting to use those unworked hours to earn more money so this never needs to happen ever again!

You say you were wronged, yet you didn't answer the question as to what proposal you gave them. 

So I will ask one more time.  What were the terms of the original loan such as your monthly payment, exactly how far were you behind and what was this proposal you gave them?

By the way what does more people coming to this Country have to do with your issue?

You should know your playing a game of russian roulette when you take a loan through these places.

Better to pay cash for a used car (or motorcycle) as has been said.

the comments that were posted seem to be from people who are heartless and do not know anything about life they spend their lives making other people lives mizzerable where is the human feeling of it all. People come to this country every day and get more that americans wow, and all you can do is point a finger at the person who feels like they have been done wrong wow. Let he who has the perfect life throw the first stone.

28%? Holy crap! That's more than eight times higher than my last auto loan. How can your credit be THAT BAD?? Clean up your act.

When of of the "Last Chance", "Bottom of the Barrel" Finance companies Repo the car and no longer want to take a risk on you, having that Repo on your Credit isn't the reason you can't get financed by anyone else.

You had credit issues going into this loan, and with a 28% Interest Rate those issues were probably very major.  The fact is that there is no requirement for a lender to make arrangements on a loan.  

I did notice you didn't mention what your "proposal" was.   So how about posting what your current payments were a month, how far exactly were you behind and exactly what you proposed.

This response to the OP is quite funny, as I remember a few months back you were bragging how, back in 2001 you ripped off your creditors for over 132,000.00 worth of debt??????

Talking about the pot calling the kettle black.
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The very fact that your loan is an astronomical 28% shows that they consider you an extreme credit risk, so yes, at the first sign of trouble, like a missed or very late payment, they seek to close the books on you, take back the car and be done with you. It may all very well be unreasonable on their part, and perhaps you are suffering a moral ripoff if you can indeed live up to your obligations to them save for being late here and there, but the terms of your loan spell their rights out and you signed for it. They don't have to "work out" payment plans for you. They already did that when you signed for the loan. I'd say if your finances were such that such a loan required 28% interest, you should have bought an old used car for far less.

There was NOTHING "illegal" here as you claimed, based on the content of your report.



Your vehicle can LEGALLY be repo'd if your payment is even 1 minute late.



Do not confuse the law with ethics.

They are very different.



You claim that the lender ruined your credit.

REALLY???????????



You stated that you were paying 28% PRIOR to the default!

(Hint: That means your credit was crap long before that happened.)



People with good credit do not pay 28% on a car loan.

People with fair credit do not pay 28% on a car loan.

LOSERS with HORRIBLE credit pay 28% on a car loan.



You CAN get another car regardless of your credit.

Almost any "buy here" pay here" lot will give you a car with minimal qualifications such as a paystub, photo ID, and a small down payment.



My advice is to pay cash for like a $1000 car and save your money and fix your credit, and then go finance another car.



In this economy, there are PLENTY of GOOD "private sale" cars out there for $1000-$2000.



Use some common sense, and lose that entitlement attitude.

No one owes you anything.

And, you do not have the "right" to be late on your car payment.



The repo was perfectly legal.

Get over it.

It was YOUR responsibility to make YOUR payment on time. It was YOUR reputation for not paying YOUR bills on time which made you a subprime credit risk. When YOU missed YOUR payment, YOU turned on the collections efforts which amounted to YOU telling them to do a repo. YOU did all these things but its their fault, right? Typical subprime welfare type. Mentality. No, I don't work for them.