2nd Chance Auto Second Chance Auto Suing for $6,000 for a car worth $1,300 that they repossessed Montgomery Alabama

Okay you ended up at a "sub-prime" lender because you have not shown that you can handle credit. 

Now, of course as a sub-prime borrower you have an "entitlement" attitude where you try to make every excuse in the book as to why it isn't your fault.

After all THEY Reposessed the car.  THEY didn't give you an opportunity to get the car back.  It was THEM who you claim pray on people who are having a hard time getting back on their feet.  When in fact the reality is this all happened because YOU failed to be able to make even your first payment on-time.  YOU walked in and as an adult decided that you would accept their terms on the loan.  At no time did they tie you down, hold a gun to your head, or otherwise force you to sign the paperwork..did they?  Of course not...

Now in a reposession it doesn't matter what the car is worth or if you still have it in your posession or not.  What matters is how much you have left on the loan.  Since you didn't even make a single payment, that would probably be more than you originally finanaced because of additional interest, late fees, and repo and auction fees.  However, from that they must deduct what they sold the car for at auction.  So in court if you want to have any chance in reducing the debt you better make sure they show you what was paid and make sure it is removed.  But realize that at auction a car may get only about 1/3 of it's value..in this case probably around $500 or so.  Anything left after that is YOUR responsibility.

For this amount of money I would suggest at least consulting an attorney.  However, realize that a judge is going to be concerned with just a couple of things.  How much was the loan for, how much did the car sell for, what were the fees involved in selling the car.  If you get a sympathetic judge they may hear your "sob" story and cut you a break on having to pay it back, but if you get a "by the book" judge expect a 20-30 minute lecuture about 10 times as severe as the hard facts I just gave you.

I am telling you this for one reason...to get you to think outside of the "It's all their fault"..to "Yes I screwed up and now I want to fix it".