Hi all! So before I unload, I’ve been rebuilding both mine and hubby’s credit, slowly but surely. I’ve also contacted our lawyer in regards to what I’m posting below. I guess I’m looking to see if someone else has gone through a similar or identical situation and can provide advice or recommendations.
We purchased a VERY used car back in 2017. Well my husband was the one who did all the logistics and looking at the vehicle, etc. I actually sat with our kids in our vehicle outside on more than one occasion. So we’re both to blame for what comes next. He comes out and says everything is almost done. The salesman needs signatures from me. Apparently I’m the co-signer. Wasn’t sure how that could happen when I have NO job or income. So stupidly I sign. I don’t look at the paperwork for at least a few days. Come to find out, I’m listed as the purchaser. Not happy at all. Car ends up having significant issues over the next few months prompting me to even get the Attorney General involved. Car dies just a few months short of 1 year. We take it to Dodge, they say $1500 to fix, I vehemently don’t want to pay it, my husband and mother in law talk me into it. Well we pay and guess what?! It didn’t get fixed, now they need another $2500. Mind you the vehicle has 160k on it now, 10 years old, rust, etc. Nope I’m not replacing the engine basically. So we call the finance company and say car is dead, we’re not paying on a dead car , come and get it. 6 months plus LATER and they finally get it.
7 am this morning, I’m awoken to someone pounding the door down. I obviously have not had coffee and answer the door. Stupidly acknowledging who I am basically and we’re served papers. It is listed as a consumer credit transaction and we have 20 days to respond or else it’s court and I’m assuming a judgement.
I would like to know if we might have a shot with getting it settled beforehand for less than the $6915 owed?
