I live in Mass. I voluntarily gave my car back to the bank in 2010. Americredit (lender) sent the deficiency letter to wrong address. A few months later they started to call me to collect on the debt. I verified with them and they sent the letter to mattapoiset and not mattapan where I lived. The calls stopped. Fast forward two years and general motors is calling trying to collect on this debt. It's on my credit report, but it does not say repossession. GM stopped calling me on the debt also. It's now 2013 and I have not been taken to court. I'm wondering if its because I never received the deficiency letter within the first 30 days of the sale? The amount of the debt has grown as well.
The deficiency letter was sent to Address: W SELDEN MATTAPOISETT, MA 02739-
My correct address at that time was Address: W SELDEN ST MATTAPAN, MA 02126-2405
This is how it apears on my credit report
GM FINANCIAL Address: PO BOX 181145 ARLINGTON, TX 76096 No phone number available
Account Number:
Address Identification Number: Status: Account charged off. $10,188 written off. $5,707 past due as of Jun 2013.
Status Details: This account is scheduled to continue on record until Sep 2016.
Date Opened: 05/2008 Reported Since: 06/2008 Date of Status: 03/2010 Last Reported: 06/2013
Type: Auto Loan Terms: 75 Months Monthly Payment: $0 Responsibility: Individual
Credit Limit/Original Amount: $15,921 High Balance: NA Recent Balance: $5,707 as of 06/2013 Recent Payment: $0
Payment History:
Account History: Voluntarily Surrendered as of Mar 2010, Feb 2010 Charge Off as of Mar 2010 to Jun 2013 60 days past due as of Feb 2010, Jan 2010, Oct 2009 30 days past due as of Dec 2009, Sep 2009, May 2009 to Jul 2009, Oct 2008, Sep 2008
I believe they violated the fair debt collections practices and I should not be held liable for this debt. Any insights on this?

