Initially, I paid on time, then had two deaths in family, so behind one payment. Years later (yes years later while paying on time) - still owed the payment. Lingering but CPS could not do anything about unless I fell less -even after 2 years CPS still wouldn't put that one payment at end of contract cause of deaths! WOW, GREED & they can if they wanted. Anyhow I paid - unfortunately had a bad blow out, wasn't my fault just happen, but my insurance company paid off, gap insurance paid jackbeep (i paid more @ dealer for nothing), well is in claims, now CPS should know this and no they still RACKING UP MORE INTEREST on that payment & current payment which I shouldn't owe since accident. Anyhow, waiting for settlement, tried scheduling payments which told CPS have to be very small but I will pay - they are RATZ and REFUSED MY PAYMENT plan - how stupid, then the harrassing calls, twice a day, calling me names, threating me to pay, oh I talked crap back, I know SOME CA Collection rights - CPS should accept something and I tried setting up payments, and they would laugh and say in CA we can do anything we want and will garnish your wages, constant stress.
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