Nissan Motor Acceptance Corp ruined my life! Dallas Texas

tell you that your payment can be LOWERED because it will sell cars to people like you. Here is what they will tell you AFTER you buy the car, when you want your payment LOWERED at a point later in the loan.

FACT: After making payments for two years on a loan that is 60 months, a customer COULD be eligible for re-financing that loan at a Bank, or at a Credit Union, and in some cases can even get a lower interest rate if all the payments were made on-time.

FACT: If that loan, which is now only 36 months, is RE-FINANCED for 60 months, the new payment WILL BE LOWER, but you'll be adding two more years to the loan, correct?

What they do is this- they LIE without really LYING. What they say CAN be true, but the way you INTERPRET what they said is DIFFERENT from what they really mean!

In short, DON'T trust 95% of Car Salespeople anymore. Now that times are hard, the LIARS will be out in FULL FORCE!!!!!

Also, 'Google' this- LOAN CALCULATOR, and you can figure out your payments based on interest rates, & term. Don't forget to add your SALES TAX to the total amount you want to borrow!

Remember- Figures lie and liars figure!

If the terms are not in writing...they are worthless.
Lesson #1: Assume that when a car salesperson (or debt collectors) lips are moving, that they are lying.

This promise of a lower payment was from a salesperson trying to reach a quota to get a bonus. Any promise of a lower payment should have been explicitly laid on in the contract terms at the point of purchase.

Lesson#2:
Get all terms from collection agencies in writing prior to making payment.

Lesson #3: NEVER use a wire transfer service to pay any debt collector.