Consumer Portfolio Services, Inc I CALL THEM TO SURRENDER MY CAR ON 11/21/2011 BECAUSE I AM NO LONGER WORKING AM ON A SET INCOME NOW Irvine, California

 OK here goes.

 CPS love to work outside the law. 

 1) They phone friends and family and disclose your debt. You can take then to small claims court for this and get up to $1000 per offense, just make sure you can prove it.

 2) They try to re-age debt that is no longer collectable in two ways,

     a) They try to convince people to make even a dollar or two in payment which then legally re-ages the debt.
     b) They post a report on your credit file reporting a payment when nothing has been paid.  This is a Federal offense (Fraud) and is punishable by up to $50000 in fines and up to 10 years inside for the person doing it.  The problem is finding out who did it, which is what they rely on.

 3)  They repossess the car and sell it then add exorbitant fees, non existent damages and interest at over 30%/month trying to make even a few hundred dollar debt into thousands as fast as they can.

 I would advise anyone trying to deal with this bottom feeding company to not try to talk to them, but instead ask for proof of the debt including the date of the last payment (if it's over 7 years in most states then they cannot collect).  Or if it is valid check with an attorney who accepts legal aid to see if they are at fault and not you.

 Finally if you check your report and see a sudden report from them appear make sure you print it out.  I did this and my attorney is having a really good time preparing a court case that will result in them actually paying me ;)

I did the same thing but they ended up repoing the car (2 years ago).  Then they filed a complaint against me for money (after I was notified the car had been sold).  The complaint was dismissed without prejudice in December 2010.  Then a week ago I got served and they are trying to reopen the case - TWO YEARS LATER?????????????????????????  This is unreal