My question involves collection proceedings in the State of: Virginia
I'll try to keep it short.
Car gets repossessed.
I proactively call the bank multiple times afterwards so I can find out when they sell it at Auction and if it had sold yet so I could know remaining balance and set up payment options with them.
After multiple calls spanning many weeks they tell me they will let me know when it sells and remaining balance.
I had gotten info from multiple other sources that a bank can take awhile to sell a car at auction.
I wait quite a long time to see anything in the mail from them telling me it sold and what remaining balance is.
2 years later I get letter from collection agency saying they are taking me to court to get approval for a judgement against me.
I'm shocked and feel like a victim, why didnt the bank notify me it sold? I never got anything in the mail before this court letter.
Do I have any wiggle room in court to make the bank produce proof they notified me prior to that letter?
I was more than willing to work out a payment arrangement the very same day they tell me it had sold.
Any help would be appreciated. Thanks.