United Auto Credit Inc of Newport Beach California

So why didn't you ask your other creditors to help you out?

How about any of your credit cards?  How about your utilities?  How about your house?  Let me guess every single one of your other creditors were bending over backwards to help you.right?  It was just this "evil" company who agreed to loan you several thousand dollars on the promise that you would pay it back as agreed.  Oh that didn't happen...umm perhaps something to think about.

Look..everyone has one excuse or another as to why they can't pay.  But the reality is that nothing in your agreement stated you only had to pay when times were good.  The compay you got a loan from is a Sub-Prime lender, meaning you have not proven you can handle credit.  As such they are going to be a lot less lienient than others, mainly because they can't separate the deadbeats from the people who need help.

If you were loosing $300 a pay period(what is that a month?  A Week?  Every 2 weeks?).  Generally a "Government job" would mean you were making by many people's standards some pretty good money, and I would also bet benefits.  So you also have to take a look and see if perhaps you were living beyond your means?  Where perhaps a bit "trimming" down of your expenses would not make a $300 per check temporary loss the difference betwen you being able to keep the car or not.

Oh but if you think you are done with them if you let them reposess your car(or you just voluntarily turn it in) you are mistaken..your problems are only beginning.

First, they will sell the car at auction for about 1/3-1/2 of it's value.  YOU are still responsible for any loan balance left over.  If you fail to pay on the loan they will turn you over to collections.  If you still fail to make payments they may eventually sue you.  They will most likely prevail and if they do and your state allows it you can expect a wage garnishment of your Government job.  Oh and even if Wage Garnishment is not allowed, they may have the legal right to just take the amount owed from your bank account.

Next. You were already with a Sub-Prime lender, but now you have a Reposession on your credit.  If you think they were bad..just wait.   You may get the honor of having a GPS device put on your car that has the added benefit of disabling your car if you are even a single day late.  If you are a few days late since they know the exact location(thanks to GPS) reposessing it is real easy.

 You are dealing with a sub-prime lender due to your poor credit history.  They have heard every excuse there is for non-payment and don't believe or care about them.

It is NOT their reponsibility to accomodate you with a different repayment plan.

All they want is for you to pay the agreed amount on time EVERY time.

I don't see any Ripoff, and any other, especially the dead beat lenders, would do exactly the same thing.

No, I don't work for them, nor am I a customer, my credit is WAY better than that.