My question involves collection proceedings in the State of: Texas
I took out a lease to own from Aarons and I've been late the last couple of months ....last month they charged me $100.00 in fee's just for being late. I'm sure this month it will be worse as I am having some financial problems I haven't been able to pay them off in full like I planned too. So now i'm worried and I want to know what my rights are in this respect. I am thinking about just turning the items back in but I don't want these people in my house or even on my property....So what would happen if I put the items at the end of the drive for them and told them to come and pick them up? If for some reason someone we're to take the items if they didn't come when they said they would , could I be held liable?
Or if I we're to tell them to take me to civil court could I get back what I've already paid on the items plus lawyer fee's? Also can they file charges with the police if I don't pay?? I have also been thinking about filing bankruptcy would that have any impacted on the situation at all? Sorry I know a lot of questions...but i'm disabled and my money was cut back suddenly with no notice and frankly i'm having a hard time . I want to make sure I know where I stand.
Thank You