The Electronic Funds Transfer Act requires a written authorization, but it is likely that the renewal documents contains one. Check, or have a...

Yes. Reporting a debt to credit bureaus, or charging it off, does not affect the creditor's right to collect from the debtor. If you are being...

Please state dates and mileage of each event. Illinois has 15 day 500 mile statutory warranty if car has 150k or less miles

Consult a consumer attorney with copies of all documents relating to this matter, including 3 credit reports, communications with the bureaus and...

The statute is five years on a credit card, ten years on a note, and four years on a retail installment contract for the sale of goods. Cannot...

The statute of limitations is five years, starting from the later of default or last payment. If you agree to pay $1,000, pay $200 and stop paying,...

There is no criminal liability. You may be liable for whatever you got for the car and a deficiency. You may also have defenses if warranties...

You first must demand that they fix the car. They can charge you not more than $100. If they cannot fix it it is their option to cancel the deal....

You are being scammed. We have seen these before.

Show the letter to a consumer lawyer. It should not cost you anything to consult. At least that is our practice.