Complaint Review: Heritage Acceptance - Elkhart Indiana
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- Author Confirmed
- Heritage Acceptance 118 S. 2nd Street Elkhart, Indiana U.S.A.
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- Category: Questionable Activities
Heritage Acceptance Trying to collect old abandoned debt Elkhart Indiana
*Consumer Suggestion: Check with your state Attorney General Office.
*Consumer Suggestion: Don't even sweat it
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I bought a car through Quick Auto.. paid on it for 2 years, it broke down and I could not afford to get it fixed. I called them and they said I could do a voluntary repossesion. I later saw the vehicle again on their lot for sale. I never heard anything from the finance company until just recently, which is 9 years later. They are now threatening wage garnishment. I don't believe they can do this to me. Does anyone know if I am correct or not? If the car was sold wether it be on their lot or at auction, that portion of the sales should be applied to my past due debt? Is that correct? I bought the car for 5000$ they are suing me for 7300$. Any input would be helpful.
Jen
Bluffton, Indiana
U.S.A.
This report was posted on Ripoff Report on 09/23/2008 01:25 PM and is a permanent record located here: https://www.ripoffreport.com/reports/heritage-acceptance/elkhart-indiana-46516/heritage-acceptance-trying-to-collect-old-abandoned-debt-elkhart-indiana-375421. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content
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#2 Consumer Suggestion
Check with your state Attorney General Office.
AUTHOR: Robert - (U.S.A.)
SUBMITTED: Tuesday, September 23, 2008
The statute of limitations for contracts and/or NOTES in Indiana is 10 years.
If this is applicable to your car note then they can sue and win a judgment against you.
If you receive a summons, do NOT ignore it else they win a default judgment against you.
#1 Consumer Suggestion
Don't even sweat it
AUTHOR: Tim - (U.S.A.)
SUBMITTED: Tuesday, September 23, 2008
Nor worry about what should have been applied to your existing debt. In every state, 9 years is WAY over the statute of limitations on collections. If it appears on your credit report, the law says it has to come off (you need to dispute it with all three credit reporting agencies, and it will then come off). A critical element is that you DON'T RESPOND TO ANYTHING! There are things you can do or say which will re-affirm the debt and start the clock ticking again. Dummy up about it. Dispute it if it appears on any report. Then ignore any communication.
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