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VIA Certified Mail?????

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    VIA Certified Mail?????

    Alright....i am in the process of filing bk....i haven't done so yet...but will finish paying my attorney on Monday. I stopped paying on my car effective sept 15..that was the day it was due....as of today...i am 25 days late...not yet 30....well today this is what i receive in my mailbox...mind you....i did not sign for anything....

    Via Certified Mail #### #### #### #### ####

    In 2005 UACC acquired through assignment the Retail Installment Sale Contract which you executed as a purchaser on 10/12/05. The current payoff is $8487.99...the past due amt is $339.00 which includes the month of September and any late charges. We have attempted to contact you on numerous occasions regarding your acct stats and you have chosen to ignore our messages and letters demanding payment.
    By receipt of this letter....we are effectively demanding the return of the vehicle mentioned above...in addition we are providing you exactly one week in which to do so. Should you opt not to return the vehicle by 10/16/07 UAC will pursue this matter to the fullest extent as permitted by the laws of the Commonwealth of Virignia meaning we will file for a warrant in your jurisdiction and pursue garnishment of your wages....


    They are such @ssholes....first they threaten my mom....my best friend...and come knocking at my door.....funny how they are acting over a car worth $1000.

    I am going to contact my attorney tomorrow...but.....I thought a person was supposed to be 2 months past due before they tried to repo the vehicle.......So now im confused.....i swear...if s#%* couldn't get worst......
    Filed BK on 10/19...
    341 Meeting Scheduled 11/26 @ 10am
    Discharged 1/30/2008

    #2
    This is the typical creditor "threat" letter trying to strong-arm you into paying them something. Threatening to take you to court and actually taking you to court are two entirely different things. Talk this over with your lawyer, but I'm betting that he/she is going to recommend that you ignore this letter.

    If you are paying your lawyer on Monday and filing soon after, this lender couldn't (1) get you into court, (2) get a judgment for garnishment or liens, (3) have the judge sign it, and (4) get it implemented for at least 1-2 months (more likely 3-4 months) even if they moved mountains!
    Last edited by lrprn; 10-10-2007, 06:51 PM.
    I am not a lawyer and this is not legal advice nor a statement of the law - only a lawyer can provide those.

    06/01/06 - Filed Ch 13
    06/28/06 - 341 Meeting
    07/18/06 - Confirmation Hearing - not confirmed, 3 objections
    10/05/06 - Hearing to resolve 2 trustee objections
    01/24/07 - Judge dismisses mortgage company objection
    09/27/07 - Confirmed at last!
    06/10/11 - Trustee confirms all payments made
    08/10/11 - DISCHARGED !

    10/02/11 - CASE CLOSED
    Countdown: 60 months paid, 0 months to go

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