My car was repo'd; I knew I was behind and did contact TFS, to get a payment plan and they said no; they weren't very helpful. The last time I called TFS on August 12, I said that I hadn't been paid yet. I was due to be paid on the 19th & I told them, I was actively looking for another job. I also asked about deferrals, payment plan, voluntary repo, selling, or refinancing; I was told couldn't be done or not recommended. I actually, got paid the day they repo'd it. They are quoting me as owing 1750$ (September 4), but in reality it's 1275$, because it's not September 4th. TFS also said I was driving around without paying since April and they were paid in July. Plus, the repo fees, storage fees, personal property fees, & any other fees.
You may be able to reach out to them to negotiate a payment plan. Are they suing you to collect? Or is there a collections agency seeking payment? If there's an agency, you may try to negotiate a payment with them for full settlement of the debt. It's best to have a lawyer handle that so you don't exacerbate the situation. More details are necessary to provide a professional analysis of your issue. The best first step is an Initial Consultation with an Attorney. You can read more about me, my credentials, awards, honors, testimonials, and media appearances/ publications on my law practice website. I practice law in CA, NY, MA, and DC in the following areas of law: Business & Contracts, Criminal Defense, Divorce & Child Custody, and Education Law. This answer does not constitute legal advice; make any predictions, guarantees, or warranties; or create any Attorney-Client relationship.
