While I was in school, I was broke and became behind on payments. I missed some payments on my auto loan through Toyota. All payments are now caught up. My balance today is $3,000 (out of a $13,000 loan). Also, I became late on my Chase Manhattan card. They closed it, but still on the debt. I honestly believe that Chase breached the contact. Also, while in collections, Chase breached the Fair Collections Act on several occassions. When the account was closed, I owed about $800, they are now reporting that I owe $2,000.
I want to buy a car soon and want to have these issues cleared up. I'd like to PFD w/ Chase (but still have it appear as an acct closed by me) and send a GW letter to Toyota. Anyone have any luck w/ these two? Any advice? Any angle that seems to work the best? Any address or email that works best?
Thanks.
