Frederick J Hanna & Associates Dennis H Henry $25,602.12 for a Hyundai Excel Internet

The Georgia Supreme Court says Hanna is a "law firm," so you have to submit a bar complaint vs. them (and not a consumer complaint with the state OCA or federal FCC -- but fine if you do that too anyway). You may submit a bar complaint vs. Fred Hanna (the owner of the "firm") and any atty. that may have contacted you that also violated bar rules for atty.s:

(Call and ask for a bar complaint, and if they have them online):

State Bar of Georgia
www.gabar.org
104 Marietta St. NW, Suite 100
Atlanta, Georgia 30303
(404) 527-8700
(800) 334-6865
FAX: (404) 527-8717


See below for info. on where to look for sample do-not-call letters vs. Hanna, and how to fight Hanna lawsuits and WIN (feel free to post on here too for more info.):

Info. for fighting Hanna lawsuits:

http://www.beatdebtcollectors.com/

Hanna consumer complaints and blogs:

http://nextlevelunlimited.net/blog/fredrick-j-hanna-collection-debt-or-hanna-barbera-crook-or-cartoon/

http://www.ripoffreport.com/Search/Frederick-J_-Hanna.aspx

Submit a Georgia bar complaint vs. Fred Hanna and other Hanna attorneys:

http://gabar.org/contact_the_bar/

The Georgia supreme court has ruled that Hanna and Thugs are above the Law and no one can touch them. Welcome to corruption Georgia style.

The United States Constitution is nothing more than a sick Joke in Georgia.

First off for this amount of money I would highly suggest you get a lawyer.  They will probably cost you a few hundred dollars, but if the lawyer can get you out of the $25K they say you owe it will be worth it.

You did not give a lot of detail, but to let you know it may be possible that you owe this amount.

You can't generally just "return" a car, especially after 35 days.  It is very likely that the dealer treated it as a Voluntary Reposession.  But that is still a reposession.  And as such when they sell the car, you are still responsible for the balance.  Over 10 years depending on the original amount owed, it is very possible that that has grown to $25K. 

Now, with that said.  They can not just garnish your bank account without a court order.  To get that court order they would have had to file suit against you, and get a judgement.  If you were notified of the suit and ignored it well you are pretty much "screwed".  Although you probably should still see a lawyer just to make sure they followed the laws.

If you were never notified, and that is very possible.  They probably did what is known as "Sewer Service".  This is where they serve the court papers at a location and/or time that they know you will not get it.  That is so that you will miss the court date and they can get a default judgment.  So the first thing you need to do is go to the clerk of the court at the court the original suit was filed.  If you don't know where this is the bank should be able to give you information.  You then need to get the suit, with special interest in the "Proof of Service".  If you can show that you were not properly served, you can file a Motion with the court to "Vacate" the judgment.  If you get a hearing and they grant your motion, they will have to release your funds and re-file the suit where you can defend yourself. 

The ONLY things here that are relevant are the illegal/unethical acts Hanna and his thugs engaged in, and understanding your rights under the law.

What you bought, how long you had it, whether they make excels anymore etc. is totally irrelevant. Not the issue.

First, understand that you cannot legally have your wages or bank account garnished unless you were first sued, and lost. Were you sued? Did you recieve a summons to go to court? If not, you can get your money back.

Second, the statute of limitations has run out on this debt unless somewhere along the way you made a payment, or an agreement to pay which would have restarted the SOL. Did you make a payment on the defaulted loan? Did you make an agreement to pay?

You need to go to your bank and immediately take out any remaining money you have, IN CASH, and CLOSE THAT ACCOUNT!! It is no longer secure. DO NOT USE IT ANYMORE!!

The fact that they knew where you banked, indicates to me you made a payment or agreement to pay, otherwise they could not have had your current bank account info.

Now, demand of your bank that they provide you with the legal paperwork that was used to garnish your account.

Also go to your local courthouse and get all of the paperwork filed in the case against you that led up to the garnishment order. Pay particular to the "proof of service" affidavit. They most likely "served" you at a very old or totally bogus address, which is illegal and unethical. This is commonly referred to as "sewer service".

Immediately file a written complaint with the Bar Association against all lawyers involved for these ethical violations.

File an FDIC claim for your "stolen" money. This gets the fire under your bank to comply with your investigation.

Challenge everything. Stay off the phone. Do everything in person or in writing.

Check out the other posts here on ROR and other sites like budhibbs.com and others regarding Hanna"s illegal and unethical acts in debt collections.

Don't mix the issues. Stay focused, and learn your rights.

The lack of service is 1 issue.

The SOL is another separate issue.

Good luck!