Wachovia Dealer Services DON'T FINANCE A VEHICLE WITH THIS COMPANY! Ontario California

You were well more than '10 days' behind if you owed over $1000, much less $2000. They had every right to repo.

You were well more than '10 days' behind if you owed over $1000, much less $2000. They had every right to repo.

We have been paying on the truck for 26 months, still owed $20K. We were out of work for 6 months, we struggled to keep up, everything got behind. We told them that by year-end we would be current or better, but they REALLY wanted that truck more than working with us for 10 more days at the most.

I do not see a ripoff because you were behind. A ripoff is where you were caught up and they had repoed it. You left out how much was owed on it, how many times in the past have you been late( no there is no such thing as a grace period on a car payment no matter what you may have been told), what was the amount of your monthly car payment each month, how many months left and last but not least how many months were you behind?

Lastly, I hope you have learned to not buy your cars on debt and in the future you pay cash. Yes it is quite possible and is the only smart way to buy a car. The car company does not "force" anyone into bankruptcy only you can do that by using debt and not cash. That is called being personally responsible and not living in the moment. No, I do not work for these clowns and yes i used cash to buy my '06 Chevy Equinox when it was new. I am not rich by any means, but I learned many years ago to stop using debt. I learned that I had money once I stopped making payments to everyone else but me. I hope you can get out of this trap because they will sue you for the difference once they sell it at auction for a fraction of what it is worth. This is an expensive lesson to learn.

You should have said "Don't Finance a Vehicle with this Company if you don't intend on making your payments."

You did not pay your car payment and they took your car back. There is no rip-off. They aren't in business to help you, they are in business to make money.