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Stating that they they sold the car for ,000 and now want the full balance of ,456 in 10 DAYS! I don’t have the balance, can I just send them 0 per month until it’s pay off, will they still take me to court. Please spare me the lectures, I need good advice, I already know I ******* up. What can I do to avoid going to court and wage garnishments? Should I see a lawyer

11 months ago I bought a car at a buy-here-pay-here place with 00 down and 0 monthly payments. Due to downturn in my business I got behind. I spoke to the man at the lot and explained to him that I should hear something today and would let him know when I could get caught up. he agreed to that.
yesterday he showed up at my office and said he was taking the car, in front of a coworker, and loudly said how far behind I was, even called me (and about 20 others who owe him) a deadbeat and said my word meant nothing. he did give me time to get my personals out of the vehicle. One of his complaints was that he saw me driving the vehicle, and it wouldn’t bother him so much if I’d left it parked at home (if I didn’t need to drive the car, I wouldn’t have ever bought it).
Anyway, he had given me no notice that he was going to repossess and what I’ve read of Missouri law I think he should have. He also gave private information to other people (first time I was late he entered my church and told the first person he saw that he was there to get his van from me because i don’t pay, and he spoke to one of my neighbors about it). He was belligerent and hateful, and had me so stressed out i almost had to go to the ER, didn’t sleep last night, etc.
Was the way he took the car illegal? Does anyone know what my options are at this ppoint? Please don’t simply say "pay the bill" because i don’t have the money to pay the car completely off at this point, tho that’s what he says I need to do. Also don’t have the money for a lawyer right now…By the way, he never gave me a copy of the agreement I signed last year, but I know it was for 12 months and he now says 11 and my "time is up."
Thank you.

They already put it on my credit I guess they have already sold it and want me to pay the balance. Should I be worried? Should I get a lawyer? The reason I turned it in was because I could no longer afford it. If I pay the balance with my income tax return can I request the vehicle back since I am paying the balance? Somebody HELP I need advise! I am a single mom and really can not afford a lawyer.
Everyone I have talked to tells me they have never heard of a company sueing, and alot of people are telling me not to worry about it they are just trying to scare me.

My car was repossessed on 1/29, i was 3 months behind. on 1/31 i called my finance company wells fargo and asked how much i needed to pay them to get the car back, they tell me that i need to pay the full balance of 14500. so i bite the bullet and chalk it up as a learning experience. then yesterday 2/7 i get a certified letter in the mail stating their intent to sell my car at auction, their starting price (6500.00) and where it will be auctioned. on the 2nd page it states to receive my property back i must pay the past due amount (1100.00) + 2 months security payments (730.00) and recovery costs in the next 15 days. and my loan will continue as if i never had defaulted. so i get my hopes up because i have the money now to get my car back now that im no longer unemployed and i call wells fargo up again. they tell me that that letter was a mistake and that i need to pay the full amount again. my question is would this be something i should talk to a lawyer about. i would like to not have this repo on my credit and i can afford to make the payments or even sell the car private for more than they would get at auction.
why send me a letter saying i can pay 2000 dollars and get it back then tell me i cant that same day. thats my main question.

I have a VERY complex situation. My car was repo’d, then approximately 24 hours after this I made the full payment. After 3 days my lien holder (Fifth Third Bank) released the vehicle and faxed the release to the repo company(ASR Nationwide) and transporters (Progressive Asset Recovery) of my vehicle.
The transporters then called me to let me know that the vehicle was moved to an auto auction(Manheim Auto Auction) and it would take a day for them to bring my car back. I found this wrong since I made the payment within 24 hours of it being repo’d. They took the trip to pick up my vehicle from the auto auction and called me later saying that the auto auction refused to give me my vehicle because THURSDAY was their "sale date" and the transporting company would need to come back on friday.
Friday they drove down to pick up my car and this time the excuse was that they don’t release vehicles on Friday – even though they told the transporters they could the day before. My lien holder, the repo company, and the transporters are sending emails and calling like crazy to get my car back. I just recently sent and called a few general managers and customer relation people myself, but….HAS ANY ONE HAD THIS EXPERIENCE??? ALSO, DOES ANYONE KNOW A LAW FIRM OR LAWYER IN MICHIGAN THAT COULD HELP?? I NEED TO KNOW WOULD I HAVE ANY OBLIGATION IF SOMETHING HAPPENED TO THE VEHICLE.

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