Legal Question in Consumer Law in California

I bought a car in Arizona and was paying on the vehicle until I lost my job, so I brought the car to the Wal Mart parking lot 18 months ago and called Ford to let them know that I was voluntarily returning the car because I could no longer afford the payments, now I received a collection letter from a collection agency stating that they want to collect over $10,000 owed to them, not Ford Motor Credit Company. My question is this; Is thre a statute of limitations for them to contact me regarding the car, is there anything that I can or should do so that I can avoid them eventually garnishing my wages. I now live in California and have not worked in two years ( I have spent my whole adult life in construction and because of the state of the economy, there is not alot of demand for what I do, so I have been applying for any type of job yet I still cannot find one,) yet I am hoping to be gainfully employed real soon. Thank you for your time.
Cordially:
Dave

Asked on 9/08/10, 11:04 am

2 Answers from Attorneys

Asaph Abrams Law Office of Asaph Abrams

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Bankruptcy can quickly and conclusively eliminate that liability; consult with a local practitioner to address all your specific facts, prior to taking action.

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Answered on 9/13/10, 11:16 am

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