Today I have been called by Mr. Patrick Johnson a representative of Triad Financial 24 times. Now I have been told that they are not binded by the FDCPA however is it okay to say that these people can ring your phone all times of the day as much as they would like.
I have asked Triad if we can settle the account, being that when I purchased this car I was assured that I would be able to refinance the vehicle after paying at least 6 mos of payments. I did try to do that, however my 2005 Kia Amanti was the reason for the decline. The car's value has dropped from $30,000.00 to $9,750 Good condition in a matter of 3 years and then I am told by Triad that I still owe you $22,000.00. They refuse to settle the account. So back to this. The car is out for reposession they have went to my family's home, called my family telling them my personal business. I do understand that this is all apart of collections however is it truly okay to call me 24 times within 1 hr. So can someone please tell me what can I do about this. Yes I know give back the car and then they would probably sell the car for $5,000.00 and then come after me for the $17,000.00 balance. How is this fair. How can you take someone's vehcile mind you I have paid over $20,000.00 already and sell it to whomever. Why can't I pay $5000.00 to settle especially with the current market industry.
Mr. H.
Philadelphia, PA
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