OK, situation is this: DH had leased a vehicle in 1998. Paid all lease payments. Acct paid in full as of Oct 2003. Wanted to change lease over to loan, but due to BK, bank said no. BK was filed in 4/2003, but lease was not included. It was paid separate from the BK. Asked if he could return the car a week later, bank said ok. Due to return on Saturday, they came for car on Friday. Reports as charge off with open collection for 13K. They say this is deficiency balance. Deficient for what, I have no idea, since the lease was up and payments were made. Never received any notification that car was repo'd or that they would sell car until 2 years later when they sent letter saying we owed $13K. I am currently disputing this as I have no idea why they are saying he defaulted when he paid the lease. I have asked for all documentation, but they won't budge and say they don't have to prove anything. It's killing his credit score. Also SOL expires I guess in October of this year, as that would be 4 years out from date of supposed default [there is no default]. Any advice???
