United Auto Finace Company

[tiredofdebt1]

OH MY GOODNESS!!! I have had it w/ these people. I can't wait to file.....I am going to pay the full balance to my lawyer off on 9/28. And hopefully after that....i can get some sort of relief. My car note was due on Saturday the 15th(they are closed). They mailed me a letter stating i was late on the 17th...and they have been calling all my references several times a day the last 2 days. I don't even want to deal w/ them anymore..but I want to wait until I file before I surrender the vehicle. I don't know what to do. I HATE THEM.......I'm pretty sure the manager there will have a note stuck to my door sometime today or tomorrow telling me that I need to call them....

PLEASE......NEVER USE THIS FINANCE COMPANY

[Lindsay]

I know how you feel. Its been almost 2 months since I've paid my creditors. They are driving us nuts, calling my dad at his job, calling my parents, calling at work. At home the phone rings every 10-15 minutes from 8am until 9pm. Its driving me crazy! I haven't been taking the calls but I feel like picking up the phone and just saying, "We're filing for BK next month, don't call again."

Won't you get an automatic stay on their collection efforts when you file and then they'll have to get the motion to lift the stay?

What suprises me most about the collection process is how agressive they are now. Years ago, when I would forget to pay a credit card and I'd be suprised when I got a late fee on the next months bill. No one would call. When we stopped paying, collectors started calling within a week of the first late payment. That suprised me. If I had it to do over, I would have planned to file immediately upon stopping payment. The collection efforts are enough to drive someone crazy.

[tiredofdebt1]

Yes...and one of the places where I got a payday loan just called. I accidently answered. He asked for me and I told him she no longer works here. Then he hung up and called on my cell. I made sure I didn't answer it at that time. They are so agressive because I think majority of them are only paid commission now. I saw something about collectors on 20/20 and how some of them threatened to call the person's job and tell them how they wont pay their bills.....and one collector who is locked up now told the lady how he will come and hunt her down and do damage if she doesnt pay her bill.

[klux]

Maybe you could just tell them that you are going to be filing, and give them the date. Tell them you will call them back with a case number. Worked for me, phone calls stopped.

[chpxiii]

Has your lawyer given you permission to give out his(or her) name and phone number to creditors?

I know that when I retained my lawyer I was told by him and his paralegal to go ahead and give creditors his name and phone number and should they want to contact me to call my laywer instead. I didn't even have a case number yet. Calls stopped.

Find out from your lawyer if you can already give out his/her name and phone number. That should help with some relief from phone calls.

[tiredofdebt1]

I guess that was my question....will they try to speed up the judgement process or try to garnish my wages before i file...do u think they will do that?

[tiredofdebt1]

For ex....my car note....it was due on the 15th of this month( which was a saturday). I haven't paid yet...so when do you think they will pick up my car. They already said they were going to reposses it on my v/m. Can they do that w/ me being 5-8 days late? They are so horrible. You have to pay by cash or money order. And if you do pay by debit card/credit card...it has to go through Western Union and there is a $30 fee...which is 5 cans of formula for my baby ...so they can forget it.