You need sound legal advice from a consumer lawyer which you can find a www.naca.net. A word of caution regarding "debt reduction" and "debt settlement" companies. Make sure you understand exactly what they have promised to do for you and what exactly your commitment is to them for the services. Make sure they put their promises in writing. Be sure that any agreement you enter into for their services does not contain an arbitration clause or other clause wherein you agree to waive your right...
You should seek out a lawyer in the DFW area that handles auto fraud cases. www.naca.net is a good source for a consumer lawyers that represents only consumers. The dealer may be engaging in a Yo-Yo. Think yo-yo: dealer tells you your approved and send you on your way only to try to force you back to the dealership to sign new contracts often with terms that ensure more $ to the dealer and lender.
If your goal is to stop all communication, send them a written letter telling them cease and desist all further communication with you. Send it by certified mail return receipt so you have proof they received it. Keep a copy of the letter for your records.
The issue you raise has been the subject of much litigation nationwide. You are fortunate that you are in Maryland where there has been several very good opinions. You should contact Peter Holland at the University of Maryland College of Law. He is a professor and private practitioner with a recent paper on Defending Junk-Debt-Buyer Lawsuits.
You need a good consumer lawyer which you can find a www.naca.net. Time is not on your side. Do not delay. Lenders and mortgage servicers have been out of control for years. If you do not take quick action they will take your home. Do not trust that the mortgage servicer will correct their errors. Feel free to call me if you need a referral to an IN consumer lawyer.
So many of the issues you have raised are controled by WA state law so you need to visit with a consumer lawyer in WA. You can find one at www.naca.net. You may be able to get a better idea about whether their demand has any merit by reviewing all documents in your purchase of the vehicle that relate to your trade-in and any amounts owed on your trade-in. My gut tells me they may have language that provides that if your representation of the amount of your payoff on the trade is wrong you...
You need a consumer lawyer who has decided to focus their law practice on student loan litigation. You should be able to find one at www.naca.net. If you can't find such a lawyer close to you, give Joshua Cohen in Connecticut at 860-233-0338 x1 or look him up at www.thestudentloanlawyer.com. Good luck
Your obligations as a co-signer will likely be dependent upon the law of the jurisdiction of where you co-signed the agreements. You should speak to a consumer lawyer in that State which you can find at www.naca.net. In many States, a co-signer is equally liable for making payments under the terms of the financing agreement. If this is true for your situation, it is likely that your credit will be impacted by the missing/;late payments and the repossession. You need to understand the full...
How likely? Unknown. If they do, find a good consumer lawyer which you can find at www.naca.net to you evaluate your situation. If they are contacting you in an effort to collect and your goal is to stop all communication, send them a written letter telling them cease and desist all further communication with you. Send it by certified mail return receipt so you have proof they received it. Keep a copy of the letter for your records.