Legal Question in Consumer Law in South Carolina

Re: Automobile purchase gone bad

Do you have a written contract regarding these payments? If not you may have tough time proving the terms of the payment schedule. He would still have to send you a "right to cure" letter before he repos the car. If he doesn't you can sue him for conversion (which is basically another word for stealing) Also, he may be violating the South Carolina Unfair Trade Practices Act which provides for triple damages and attorney fees. Another act which he may be violating is the Regulation of Motor Vehicle Dealer's act which provides for double actual damages, triple punitive damages and attorney fees. Also, he may be engaging in unconscionable conduct in collecting a debt in violation of the South Carolina Consumer Protection Code. You would need to file a complaint with the South Carolina Department of Consumer Affairs prior to instituting a claim under the Unconscionable Conduct in Collecting a Debt statute. The South Carolina Department of Consumer Affairs has a website, and you can download a complaint form and send it to them. This should get his attention.