Consumer Legal Questions

Essentially, you stole the car.  It is probably reported that way, and on repo lists, etc.   Call the leasing company, and say you want to return the car.  Drop it off at a dealer.  You cannot be arrested for stealing if you bring it back.  As to the monetary issues, deal with that later. ... Read More

You should write a dispute letter to the Credit Reporting Agency (Experian, Equifax and/or TransUnion) that is reporting the account inaccurately, and ask (demand) that they report the account accurately (i.e.- as secured).  For good measure, you could send the dispute lettert to the creditor as well.  When sending dispute letters like this, always be sure to keep a copy of the letter and send the letter via certified mail with return receipt.  ... Read More

Bad news.  The "Implied 3-day right of cancellation" only applies to very few consumer transactions -- Only those related to home solicitation; A door-to-door vacuum salesman, a home solicitation for home improvements, or a re-financed mortgage on your home.  The contracts fot those transactions make it very clear up front.  It does not apply to automobile sales at a car lot.  Their type of advertising does not matter unless it is misleading or fraudulent -- Did they offer something they did not have?  Did they offer terms that were false?  High pressure sales tactics can sometimes step over the line, but nothing in your question indicates it might have happened.There may possibly be some little details that might give you grounds to cancel the contract, but that is unlikely.  You are probably stuck with the deal.  Did you take possession of the car?  If you did, you could turn it in, but that would be the same as if it had been repossessed -- the car would be sold "in a commercially reasonable manner" and then you would owe the difference between the original debt and the sales price plust costs.  And your credit would show a repossession.  You might be able to negotiate a deal with the car lot to take back the car in exchange for you paying some amount to cancel the deal, but that would be entirely up to the car lot, and more difficult if the car was financed though a third party such as a bank.  You might get someone else to take over the payments, but then you become responsible if that person fails to pay (unless the financer agrees to release you).If you did not take possession of the car, you might be able to cancel the deal, but only if you pay the car lot's losses, which would probably include the lost profit and various expenses incurred.  The car lot uses that profit to pay all of its various expenses, from property rent to advertising costs to salaries for employees.It is very common for people to feel "buyer's remorse" after high pressure sales, especially cars (and time-share vacations).  If the car isn't horrible but just not quite what you wanted, it may be best to live with it and consider it a "lesson learned."... Read More

This is an oft asked question, and the answer is usually no for a misdemeanor but depends on the misdemeanor. Sadly, what often happens and more so with felons is they end up giving the guns back and either calling the cops to provide them with the video of the felon in possession or delay the transaction while a SWAT team deploys out of sight for them to leave the store with them....and BLAM. If you have an issue here your best bet is to retain a lawyer to help address the issue properly. ... Read More

Your daughter is buying a car at a BHPH lot because there are ALWAYS exentuating circumstances when it comes to abiding by her word and paying on time. That said, high risk finance companies do NOT play such games and have ZERO tolerance for them with debtors. When your daughter missed the first payment she blew the deal, the lender returned the loan to the dealer as a charge back and your daughter defaulted right out of the gate. IN the future, she needs to learn to honor her promises and abide by her agreements. Now she will have to squabble with the BHPH dealer about avoiding further fees for what is likely being treated as a voluntary repo or to work with them to reinstate the loan. ... Read More