My wife bought a new car (Georgia). There was a family death, we overlooked pmts. for 2 months. We paid them, the lender accepted pmts. Two more pmts. were made, then lender returned 4 pmts. and claimed we went over 90 days and defaulted. We did not go over 90 days if that matters. Now they want the full payoff plus legal fees, appx. $18,000. Can they accept pmts. then return them and say we did not pay? We have not cashed the two checks ($1600), can we say they have the money so we are not in default?
I can save up the $18,000 in 3 months or less, could we stall the repo that long then pay it off?