Legal Question in Credit and Debt Law in Virginia

Re: vehicle leins

I don't understand exactly what is going on here. I guess you are saying that BEFORE you bought it used, it had been "totaled?"

With used cars the problem usually is that you buy a used car "as is" -- with no warranty. You need to check into what the terms were when you bought the car. Was it "as is" -- that is, no promises.

If you have a complaint against the car dealer, you probably need to file a COUNTER CLAIM suing them for fraud or misrepresentation. Your complaint might not be an effective defense to payment. You need to make an affirmative claim of your own that you were defrauded by getting a less valuable than car than you were led to believe.

Re: vehicle leins

You will probably have to pay the noteholder the balance still due on the car loan or a deficiency judgment will likely be entered against you by the court for the amount of this balance owed plus any applicable costs such as attorney's fees.

However, if you were, perhaps, fraudulently induced into the purchase of the vehicle by the misrepresentations of this car dealer, then you may have one or more viable causes of action against him.