I have now paid over $15,000.00 for a vehicle that was in our possession about 6 months. I have repeatedly requested and repectfully asked that CPS accept what I have paid to date as payment in full. The Blue Book value on the vehicle is $9000.00. This is a case of just because they can doesn't mean they should. I left an abusive relationship abruptly and left the vehicle behind. Due to PPO order I placed against my ex it wouldn't have been prudent to attempt to return and retrieve vehicle. The ex was supposed to then get the vehicle placed in his name but before the divorce was finalized he got the car re-poed. He has written CPS to accept responsibility for the balance, but they are only interested in collecting from me as he was the co-signer on the car.
A judgement came about in which I was never served but they claimed it was "taped to my front door". Not sure how they did that since I lived in a locked apartment bldg and I never got the papers. However, once in place you are screwed. They garnished my wages to the point after 30 years I had to move in with my parents as I could no longer support my family on my own with the garnishment. They have completely controlled my life for two years now, they do not return calls, they do not respond to letters and they do not care who's lives they disrupt as long as they get what they want. It is no longer about adequete compesation for the car. It is about greed and gauging and possibly preadatory practice. I have three choices, quit my job, file bankruptcy or sue them. I am opting for the latter. Every attorney I spoke to says that CPS and their Michigan attorneys have a terrible reputation.
In all the years they have practiced, CPS is the ONLY company they have dealt with that are so relentless and greedy. MOST companies would accept $15,000.00 as payment in full for a $9000.00 car., and they were shocked and appalled at their lack of response, period. Its not that I haven't paid the bill, its just that they just want more and more and more and it keeps rising with interest and the fact they are controlling my life and having me live in poverty and hardship because their CEO wants to amke another couple million in his salary. Has anyone checked out their salaries? I guess business is good taking from the poor and giving to the rich. If anyone is interested I have started a FB group call I hate consumers portfolio services... If I can do nothing else, maybe I can assure they don't get new business and take advantage of more hard working, honest folks.
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