Legal Question in Consumer Law in California

Right to Dispute Validity of an Automobile Loan

I am 21 and bought a new car while working. I quit to do missionary work and called the bank after not finding a buyer. Was told to take the car to the dealer for a voluntary repo, which did not happen.

Over 4 months I was nearly impossible to reach and constantly traveling until I returned for Christmas. I again called the bank about taking the car. In May the bank called my father informing him they had a warrant issued and the car was finally taken.

I received notice it would be sold while away and have received notice I have 30 days to dispute the debt. The loan has been accruing interest this entire time, including on the 12,000 the car was sold for 11 months after the bank was first contacted.

I also believe I was lied to by the dealer to pressure me into re-signing a loan as they could not obtain the original financing promised. Finally, I am to be returning to college this Fall in which case repayment will be nearly impossible.

Is there any way to get the amount owed reduced or dismissed entirely?

How will this action affect my credit and how can I repair it?

And How should I proceed if I cannot dispute this debt?

Thank you very much for your time and advice with this matter.


Asked on 7/22/02, 8:46 pm

1 Answer from Attorneys
Alvin Tenner Law Office of Alvin G. Tenner

Re: Right to Dispute Validity of an Automobile Loan

There are too many issues and questions to be asked to be answered here. If you will call me at 818 225-8940, I will be glad to try to assist you. There is no charge for the initial consultation.

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Answered on 7/23/02, 12:03 am


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