JD BYRIDER & CNAC FINANCIAL THIS HAS TO BE A JOKE! Appleton Wisconsin

You are right there is a rip off, only it is YOU who ripped THEM off. You should have been responsible enough when you knew you could not pay this car off to take it back to them! Four payments behind? Amazing you could have the gall to even post this. I would be ashamed of myself had this been me. Don't cry medical foul. I have had 45 surgeries and I work to pay off my bills. So no excuses, if you have bills to pay, you have to find a way to do it. You ripped them off, not the other way around. When you signed up for this and then did not pay you voided the contract, you do owe them and believe me, they will hunt you down. Pay them before you end up in jail!

...your situation has nothing to do with getting your life back on track, having a vehicle by November 7 or any other specifics beyond the fact that you violated your purchase contract, you ignored court orders and are now in contempt of court and prime for arrest and additional fines.

JD Byrider and CNAC offer subprime loans for bad credit risks, so this is a case of you get what you pay for...high interest, no-holds-barred collection attempts. You admitted you were late for payments and ultimately didn't pay for your obligation, so what do you expect?

And the interest you paid for this vehicle is moot. You agreed to that amount up front, so no rip off there. Those interest rates are charged in order to make up for people like you that cry fowl when they can't meet their obligations.

Turn over your vehicle now. You are in violation of a court order and face imprisonment and even more money problems.

How can they get away with charging 24% interest? Because you AGREED to it when you signed the contract! I don't agree with their practices, or what I've heard of them anyway, but any "no credit needed" place is like that. They have to protect their investment, and charging outrageous interest is how they do it.

When you don't have a good credit rating, you pay for it in many ways, one being high interest rates. They take that $2000 Cavalier, charge you $7000 for it, plus $5000 interest, HOPING that you won't pay it off...HOPING that they will have the chance to repossess it (the first opportunity they get, they will do it) so that they can turn around and re-sell it to some other hapless soul for another outrageous sum.

It's a vicious cycle. I just passed a car lot like this one on my way to lunch today. Most of the cars there are 5-8 years old, and they have downpayments on the windshield ranging from $800 to $1200 - that's almost the total value of the vehicle on some of these! The rest is icing to them.

Good luck to getting your life back on track, then you won't EVER have to deal with an outfit like this one again!