Quote Quoting Texas0124
View Post
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.
Little or none. You're the breaching party. Read your contract for your rights and obligations.

Quote Quoting Texas0124
View Post
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?
Of course you'll be liable. And it'll be a lot worse than just the late fees. If you don't want them on your property, load up the items in your vehicle and take them back. Get a receipt for the items. But also take somebody with you that has a camera and can take dated photos of you returning the items in case they won't give you a receipt.

Quote Quoting Texas0124
View Post
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?
No.

One more time. YOU are the breaching party. You don't get a dime if it goes to court. What you get is a judgment against you, trashed credit, and possibly frozen bank accounts (Texas prohibits wage garnishment).

Quote Quoting Texas0124
View Post
I have also been thinking about filing bankruptcy would that have any impacted on the situation at all?
Bankruptcy would discharge the debts but they would still have the right to the return of the items and the bankruptcy court would order you to return them. It's a secured contract. You don't get to keep the items without paying for them.

Quote Quoting Texas0124
View Post
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.
You have my sympathy but where you stand is in a hole that's only going to get deeper if you don't get pro-active, return the items and arrange to pay any arrears that might have accrued.