GM Financial AmeriCredit HEARTLESS Arlington Texas

 the closer you get to paying off the loan the more aggressive the collections get if you are behind in your payments.

As pointed out in the previous rebuttals, if you pay on time you wouldn't hear from the lender at all. If you pay late, then you are going to hear from them. If you pay chronically late, and that is how you posted your report, then the lender is going to use whatever remedy they have at their disposal to protect the collateral (your car).

If your balance is $3000, then just pay it off now and you won't have to hear from the lender. If you don't have the money to pay it off, get a payment to them at least enough to get current then make next months payment a week early. If you continue to pay a week before it is due you won't hear from the lender because you won't have any past due payments.

Be careful that you are no longer late, since you only owe $3k, its entirely possible that it makes more sense to the lender to pick up the vehicle than to deal with you being late all the time. That way they can sell the car plus collect more money from you on the note you didn't pay.

By the way, you paid triple for the car because of the interest, penalties, late fees and the high rate of interest on the loan because the lender is a subprime lender. Most people stay away from subprime lenders unless that is the only lender that will finance them with their current credit profile. You can fix this issue. Fix your credit, pay on time and you can get a normal bank/credit union loan. Or, pay cash for the vehicle. If you paid cash for the vehicle or financed with a regular lender, you would not have paid triple for the car. It's a decision that begins and ends with you.

You have one thing correct.  They indeed to not give a crap about helping you.  They hear sad stories all day long. Some true and some lies.

They just want the money you agreed to pay them, that's all. You can let them repo the car but you are still responsible for the payments left after they sell it at an auction.

I truly feel sorry for you, but that's the way business works and you would do the same thing or be out of business.

Good luck to you.

When you aggred to let them loan you several thousand dollars of their money, you also agreed that you would make timely payments.  There was nothing in your agreement that said you only had to make the payments when you could. 

So yes you could say they really don't care about your situation, but I bet that is not exactly true either..more on that in a minute.

You are giving them the reasons you shouldn't have to pay.  But they have heard that same story from probably no less than a couple dozen people before you.  Where since this is a Sub-Prime lender probably 99% of those people are outright lying.  So if you are telling the truth they are not going to take the time to weed out the people telling the truth or not. 

Now, let's look at your situation.  You have been paying on this car for 7 years and still owe $3,000.  First off a 7 Year loan is rare enough, so to get a 7 Year + loan is quite odd.  So what does this say?  Well it says that most likely you have a history of late payments, perhaps even a deferrment or two.  Where they probably had justification to reposess your car then but didn't. 

Oh and yes just about any other lender would treat you the exact same way and no I do not work for them.

 The lender agrees to provide the money for YOU to buy the car. YOU agree to pay a specified amount at the scheduled time each and EVERY time.

They don't care if you're taking care of MOM, doing drugs or out on the street.  They want the payment and amount  you aggreed to on the date specified.  You are in denial and it looks like the only out for you is a repo.  They are NOT a charity, and they are NOT Ripping you off.

ANY other lender would likely do the same.

BTW, it sounds like you were chronically late with your payments and that alone would prompt them to take quicker action to protect their investment.