lobel financial Never contacted me nor call me. Tucson Arizona

When you pay your bills on time, you don't need to constantly be contacting them!  Check out the meaning of the word "amortization".  Its laugh material when we hear the deadbeats howl and wail about interest being paid down first.  That's exactly how finance works and has always worked!  In the end, when you make all the payments...all the interest and all the principle is paid!  However as we can regularly see from the deadbeat whiners, this rarely happens as they get repo'ed but of course, its ALWAYS somebody elses fault!

I too had the misfortune of dealing with Lobel Financial not with just one car but with 2. Yes-I know, my fault for signing with them the second time when I knew how they worked, but none the less it happened.

They are quite impossible to reach, especially if you are working during the hours they are open. The do not ansewr after 5pm and if you reach someone's voicemail and leave your name and number, They DO NOT call you back!

Biggest complaint, you never know what your balance is. They do not send a usual statement showing principal and interest owing, only a post card type bill with payment due. I looked at my own credit report and after paying for over 2 years at 359.00 monthly, I still owe almost what I originally paid for it.

Steer clear of these people!

So here's what appears to be your story...You make one payment but they claim you are three months behind.  As per your words here, you tried to call them and you claim nobody answered at this large company, right?

First, being disabled has NOTHING to do with this so you can put away that sympathy card and tell the violin players to go home. 

A discrepancy of THREE MONTHS is a big deal because if you read the contract you signed, you would see being late is a cause for a repo.  Everybody knows that!  What did you try to do to correct this?  Did you double check to be sure you were calling the correct number?  A major corporation not answering as you claim doesn't make one bit of sense.

They are under no obligation to tell you in advance the repo man is coming.  I cannot possibly believe for one split second you did not know they said you were even one month late.

Apparently there is much missing from your story...THE TRUTH.

Oh yes, your rights were not violated.  Neither you, me or anyone else in ENTITLED to walk out on a debt.

No...I don't work for them!