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Repossessed car off of my record?
15th September 2011
In 2007 I had a 2007 Saturn Ion 2. I made no payments on it for three months. They repossessed my car and auctioned it off. The remaining balance that I owed because of the repossession was ,000.
I was told by a Honda Manager that if I do not make any payments or make any contact at all with the Collections agency who repossessed my car that the Balance Record I owe will disappear. Is this true?
My car was repossessed last year after wife lost job?
26th August 2010
My car was repossessed last year after wife lost job and we got behind on payments, and were unsuccessful in attempting to negotiate lower payments/deferments with them to get caught up. Loan was through Wells Fargo, who sold the car at auction and we were on the hook for the difference. This was immediately sent over to a collections agency, which would deal with us, and we’ve been making 0 payments ever since. Apparently, Wells Fargo has taken the loan back and sold it to another company. We only found this out because the collection agency refused payment, and we called them. What is up with this and what should we expect? Is it possible that with the sale we may be able to negotiate a smaller payoff to be rid of this loan for good?