Legal Question in Credit and Debt Law in Georgia

The threat to arrest you may be illegal in itself. Speed up your bankruptcy and see your lawyer Monday (this is not a pro se project). I assume that 4 months ago you gave the title pawn company written notice that the car was being towed to a junkyard and that you didn't make the mistake of doing notice verbally.

Let me add that while legal, Title Pawn companies are as evil as the worst Mafia loan shark. Georgia should ban their business but until they do, all Georgians should have the good sense to never go to a Title Pawn or Payday Lender.

Again, see your bankruptcy lawyer Monday and discuss whether you also have a claim against the title pawn company. Tape their calls and bring your evidence to your lawyer.

I agree with everythng Attorney Ashman said - especially about car pawn title companies being ee-ville. They are right up with their with payday lenders. Both are vultures who prey on the most financially vulnerable in our society. If government truly wanted to help people it would outlaw or strictly regulate these entities.

This title loan place wasn't too swift for making a loan on a 19-year old car! Usually, they are made on newer cars worth a lot more than is loaned out. That may explain the initial reluctance to repo here. If the car was worth money they would have wasted no time repo'ing it. In your case though, the car wasn't worth much and was inoperable so they would have preferred their funds.

Since you are going to file bankruptcy, just include this loan. While having evidence against the car title company would be nice - few people have recorded conversations (although the car title place might have a recording) or letters. It is a crime to dispose of assets that are subject to a security interest but it is doubtful they would take it that far here given the facts. You did give them notice.

However, please discuss this with your bankruptcy attorney.