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Report: #1475468

Complaint Review: CF Capital Finance Inc - Mesa Arizona

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  • Reported By: InMyDefense_Since2007 — United States
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  • CF Capital Finance Inc 734 W Main St Mesa, Arizona United States

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This company adds false inquiry to my credit report yearly since 2007. It places hard inquiries on my credit as if I am applying for a car financing lease. Its has also broken the Arizona state laws for debt collection  stature of limitations under A.R.S. 12-548 I gave this leasing agency their vehicle property back voluntarily in 2007, as I could not afford to pay for it then.

They sold the car at an auction to satisfy the lease. This company has sent falsified documents to one of of my former employers to garnish my wages in 2016. This company needs to be investigated and audited for illegal business practices. I am starting here with my defense to their methods and will seek out the correct avenues for doing so, and I will succeed. I welcome any references to assist me with that.​

This report was posted on Ripoff Report on 03/16/2019 07:56 PM and is a permanent record located here: 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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#3 Author of original report


AUTHOR: InMyDefense - (United States)

POSTED: Monday, March 18, 2019

 Regarding your statement about" lack of urgency", before concluding that projection, if you don't have all the details to what a person has had to endure in life, that judgement actually belongs to the person who had to endure it. The understanding part I'll stand up for and humbly accept that has been quite the challenge as I may not have read or researched all that is needed. I know that I just cannot " flush a debt" and walk away, but I was aware as well that all violations in this issue was not just from my end of this. There is a way to educate without condemning according to having every single factor of the case which I know personally only the Most High can attest to and not a person constructing responses from fragments.....

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#2 Author of original report

I Value Your Information

AUTHOR: Ericka - (United States)

POSTED: Monday, March 18, 2019

 No I was not properly served. I learned that have violated other state regulations in this regard as well. Yes, I have a lawyer now and we have began proceedings. Again, thank you.

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#1 Consumer Comment

I see your problem

AUTHOR: Robert - (United States)

POSTED: Sunday, March 17, 2019

I gave this leasing agency their vehicle property back voluntarily in 2007, as I could not afford to pay for it then.
- I see your problem. There is no such thing as just being able to give a vehicle back and then magically to be off the hook. It doesn't matter if you turn the car in or they come and get it, it is still considered a reposession. As such they are legally required to sell the vehicle at auction. They then take the amount from the auction and deduct it from the balance owed. In the case of the lease this is the balance owed on the total lease..not just what you are delinquent on. If you fail to pay this deficency balance, they can legally come after you through the Civil Court process, and yes eventually they could garnish your wages.

Your ONLY saving grace may be if you were not propery served for the original lawsuit. If you were not legally served you may have the opportunity to have the judgement vacated. Which basically resets everything back to before the lawsuit was filed, and gives them the opportunity for them to sue you in court, and for you to defend yourself. However, your biggest problem next to your lack of understanding is your lack of urgency.  If you think they illegally garnished your wages in should have gone after them in 2016.  In 2019 there may be nothing you can do even IF they had no grounds to garnish your wages.  Once they have a judgement, depending on the state the judgement can be valid anywhere from 10  years to forever.

By the way this doesn't apply if you were properly served and just decided to not show up in court, or if you did show up in court and lost. In those cases you pretty much no longer have any leg to stand on.

You need to find an attorney who handles garnishment and debt cases.   The only thing they can do is look at your specifics, however don't expect them to tell you much if anything different.

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