Heritage acceptance is ripping me off charging me double for what my car is worth. elkhart Indiana

 A few things you still fail to understand

Your car has a GPS shut down device. This tells me that you bought your car from a Buy here, Pay here sales lot.

That means:

High interest

Inflated purchase prices

Questionable Cars

The Reality you need to understand: You signed a contract that included your purchase price, Interest rate, number of payments and should include all posible penalties and fees regarding late payments, set up and default.

So you have been paying religously, never late and have just realized how little you are paying toward the car due to the insane interest rate THAT YOU AGREED TO

At this point you should be realizing the dealer you bought your car from makes their money on the financing, not selling cars. THEY EXPECT YO TO PAY 3 TIMES OR MORE FOR YOUR CAR

If you don't pay they will ruin your credit even more.

Your State has a Non-Profit credit counseling service, it may be Government run or Private, THEY CAN HELP YOU. Be carefull and find a recomended Non-Profit as the ones that charge are usually rippoffs.