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Auto Loans and Repossession Creditor actions following late payment or default on motor vehicle loans.

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Old 06-20-2008, 09:36 AM
val1951 val1951 is offline
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Default Voluntary Repo of Auto in 2001
My question involves an auto loan or repossession in the State of: Florida
I now reside in Pennsylvania, I voluntarily gave a car back to dealer when I could no longer make the payments. Now 6 years later the creditor has turned this over to a collection agency. Yesterday was the first time I have been contacted about this. Is there a statute of limitations regarding this debt. I am now living on SS disability and really do not have the income to resolve this. Do I have any options???
Thank you for any info you can supply.
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Old 06-22-2008, 02:46 PM
LawResearcherMissy LawResearcherMissy is offline
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Default Re: Voulntary Repo of Auto in 2001
Did the creditor obtain a deficiency judgment against you, or is this just a straight collection attempt?
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Old 06-24-2008, 03:54 PM
andrewvettese andrewvettese is offline
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Default Re: Voluntary Repo of Auto in 2001
If they got a judgment allready in florida YES they can come after you almost forever....

BUT
If you have not been to court and you do not have a judgment against you allready for this issue THEN you are free and clear my friend... the florida statute of limitations is 5 years and Pennsylvania is only 4......

NOW I am auusming they can not toll the statute for some reason....
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Old 06-25-2008, 01:16 PM
val1951 val1951 is offline
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Default Re: Voluntary Repo of Auto in 2001
Andrew may I ask what is "toll the statute " what does that mean????
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Old 06-25-2008, 01:41 PM
val1951 val1951 is offline
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Default Re: Voluntary Repo of Auto in 2001
Also, how would I find out if a judgement was entered, the only mail I have received was from a collection agency?
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