Legal Question in Credit and Debt Law in Virginia

My husband and I purchased a car through a small, rent-to-own dealership in North Carolina. We did sign a lease agreement which stated payments would be $150, bi-weekly, for 3 yrs. After paying on the car for 10 months we moved to VA and continued to mail payments in. In September 2009 we received a letter from the dealer stating "Send in FINAL payment of $329. 49 and we will send you title." We sent in the money and received a receipt dated October 1st stating that they had received said payment. We have not received the title to the car but hadn't really worried about it because we owed property taxes in NC and the state will hold things like car titles until all taxes are paid. We got a call from the dealer 2 days ago wanting to know why we had stopped making our car payments. He claims the last payment he received was in November 09 for $150. We have proof that isn't true. I'd like to know if we have a legal obligation to pay him the amount he claims we owe him? I have the original letter and receipt stating the above. I find it very difficult to believe that 10 months after we made the final payment he suddenly decides to call us up and want more money.


Asked on 6/12/10, 7:40 am

1 Answer from Attorneys
Michael Hendrickson Law Office Michael E. Hendrickson

Well, why not ask him for his proof that you haven't made all of the required payments? Then you could send him yours, including his notice to you requesting that you "send in FINAL payment of $329 .49 and we will send you title".

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Answered on 6/12/10, 11:55 am


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