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Need help being sued for balance if totaled car

Margaretville, NY |
Filed under: Bankruptcy

Our ins paid and then credit acceptance gave credits off the balance and then took off the ins check and then claim ny gap I ly paid 51.80 and are suing for 2,222 which is the balance, we were told by Nissan finance lady that this is incorrect and gap should have paid it off. What do we do???

Attorney Answers 3

  1. First, you need to contact the gap insurance carrier and find out why they didn't pay the entire balance. Second, you need to defend the lawsuit to avoid a default judgment against you.

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  2. You might file an answer with general denials. Then ask for an accounting.

  3. I would definitely fil e and answer.Hopefully you have time to do so. I don't recommend filing a general denial answer youself without first talking to a lawyer, since there are defenses youwill want to raise nand perhaps a counterclaim ( FDCPA. FCRA, NYS ) to add, and it is harder to add these after issue is joined. Give us a call, we'd be happy to help you in Margaretville.

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