The phone representative that I spoke with did inquire why I was requesting a statement as I had just made a payment, they said it would be more time effective to just deduct my recent payment from the loan balance at that time. I explained I was working on my debt and budget and said I might file for bankruptcy. I assured them that I did not intend to include the car on my bk, but my attorney merely wanted to see all sides of my case. They sent me the statement... but I got it in the mail after they had already repoed my car.

I contacted the reposessor several times, as well as the finance company (very large corporation... probably one of the top 5 largest banks) and got nowhere. I was merely being honest about my financial situation, but I did not notify them of my intent to default on the loan... and again, I had a perfect payment history with them. And that's why I'm here.

I would truly appreciate your further feedback! Thank you.