Legal Question in Credit and Debt Law in Georgia

You might have a claim against them under the FDCPA. This places limits on what creditors and debt collectors can do in an effort to collect a debt.

Under normal circumstances, a failure to pay a loan is a civil matter. However, if you want to keep your car, you may want to be proactive, hire a consumer lawyer, and sue the creditor if you have a claim.

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Its a civil matter, but it is a crime to conceal the whereabouts of the car if the lender wants to repossess it. The FDCPA only applies to third-party debt collectors, not car lenders trying to collect their own debt. I don't know what entity is calling you so I cannot say that they violated the law. Generally, the FDCPA allows third-party collectors to contact family and friends to ascertain your location, but they cannot discuss the your debt with these people.

IWhy are you behind? Is this truly temporary or is it going to be an ongoing thing? If it is because you lost a job and you are behind on your car payments, the only way to put a stop to this is bankruptcy. Talk to a bankruptcy attorney if you have other debts.