Legal Question in Credit and Debt Law in West Virginia

Vehicle Repossion
My husband and I purchased a 2003 Chevy Malibu in 2004. We had been paying on it until I had my hours at work cut by 3/4. We could no longer afford the car. I told the bank with whcih we had the loan through that we could no longer afford the car and that we would like to turn it in. They became very hostile. Well, they did come and get the car. Now, we are recieving what borderlines on threatening calls from them about what they say we still owe. I just want to know, 1. Can they threaten us during phone calls? and 2. How far can they go to get what they say we still owe on the car? Also, the bank is in a different state than I am would they have to go by that state or my state's laws if they are different?

Asked on 11/01/07, 9:50 am

David Anderson Anderson Business Law LLC

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Re: Vehicle Repossion

Is it the Lender calling or 3rd Party collection agency? They may be violating Federal law.

How much is owed? How much did they credit for car that was repo'd?

I have 26 years experience in debtor/creditor law.

Answered on 11/01/07, 10:30 am

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