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The business practice of 2nd party loans seems a little underhanded. They repo your vehical if you don't pay all of the overcharges from the original loan in 2 months, then hold the vehical (like a hostage) until you sign a new contract with them. You have no choice if the vehical is worth more than you owe to them and you have a bunch of undisclosed items that you have to pay for like the cost of the repo (370.00) the return of your personal items (125.00) and of course their intrest. Just seems more like the way the mob does business than a ligit american company?