Judson E. Crump, PC

Can the Repo Man Do That? The Law on Repossessions. – Alabama Consumer Protection Attorney Judson E. Crump

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About a million cars are repossessed each year in the United States.  Many of these are illegal, though most debtors (and a lot of repo agencies) don’t know it.  So just what makes a repossession illegal in Alabama?

Breach of the Peace.

A secured creditor can only repossess their collateral if they can do so without any “breach of the peace.”  The Uniform Commercial Code doesn’t define “breach of the Peace,” but the Alabama Supreme Court has.  And they’ve adopted a pretty common sense rule: if the repo man violates a criminal statute, then they’re breaching the peace.

Despite this clear and wise rule, repossessions that breach the peace happen all the time.  These really bother me because I believe that they show a fundamental disrespect for the human dignity of debtors.  How?  Because it should be obvious that you can’t commit crimes in order to repossess a vehicle.

“But it’s my job!” says the Repo Man.

“We have a right to get paid!” says Title Max or the car dealer.

OK let’s consider that.  My job is to win lawsuits.  What if I went into the law offices of my opponents and burned up their files.  “I’m just doing my job.”  Right?  Of course not.  A crime is a crime.  No matter how poor or black or redneck or worthless you think your debtors are.

So they cannot break any criminal law.  What does this mean for you?  Here’s some examples:

  • They cannot enter the property of someone who doesn’t owe money if that person tells them to go away or tries to block their entry (that’s criminal trespass).  They can enter your property.
  • They cannot break a lock, cut a chain, or enter your house.  That would be burglary.
  • They cannot intentionally damage your (or anyone’s) property.  If you have a marble statue of St. Theresa of Avila in your front yard, and they drive right over it, they are breaching the peace.  This is called criminal mischief.
  • They cannot touch you or be violent in any way (that’s Assault).
  • They cannot threaten violence (that’s Menacing).
  • They can’t harm your pets (animal cruelty).
  • They cannot curse you, insult your virtue, or use profanity (harassing communications).
  • They cannot use false pretenses to get the keys to your car.  Or to get access to someone else’s property.

In other words, missing a payment on a car note does not mean that repo men can commit crimes against you with no penalty.  Despite what many creditors, banks, and “pro-business” politicians may think, a person does not become less than human just by falling into financial trouble.  As I said, crimes are crimes.

Conversion.

They have to give your stuff back.  That’s all there is to it.  If they don’t pack it up and send it to you or let you come and get it, then they’re stealing your stuff.  If they want to charge you $40 to come and get your own property that they have taken, that is conversion.  They can’t do that.  If they take valuable things or cash, then you can sue them for that.

Many retail installment contracts and security agreements give them the right to charge a reasonable “storage fee” for holding onto your stuff until you come get it, but even where such fees are authorized by a contract, there is no “storage fee” due unless some actual “storage” took place.  If you go to their lot the day of the repo and your belongings are sitting right there in the car that was repossessed, then they haven’t stored anything for you.   So no “storage” fees.

They get this one wrong All—The—Time.  But it’s still wrong.

Trespass & Property Damage.

There are two types of trespass: trespass on real property (land and homes), and trespass against personal property (cars, boats, books, TVs, everything but land and homes).

Secured creditors do have a privilege to trespass on your own property and to travel on common property (like roads and public parking lots).  However, they are not generally allowed to trespass into residential property of people who don’t owe them anything.  For instance, if my car is in my back yard, the repo man cannot drive through the neighbor’s yard and drag it out over his grass.

Trespass against personal property generally means physical damage.  If they unnecessarily damage or destroy your personal property, then they can be held liable for it.

But beware of one thing: it is also a crime to conceal collateral with the intention of hindering your creditors.

So What If They Break the Law?

A lot of people call me with tales of repossession misbehavior, and they think that if you can prove that the repo man broke the rules, they get their car back without paying for it.

That’s just not true.

Unless the repossession occurred a) when you were not in default, or b) after you’ve filed bankruptcy, you can’t get the car back without paying.

The penalty for an unlawful repossession is cash damages.  Generally, they have to pay for whatever damage their misconduct caused, and in some cases they have to pay extra for violating certain laws.

A secured creditor gets to set off these damages against what you rightfully owe.  So unless you’ve almost paid off your loan or their conduct was just really bad, then a wrongful repossession suit probably will not put any cash in your pocket, though it can shield you from a lot of future debt.

Example 1: You owe $10,000 on your car.  It gets repossessed, and the repo man recklessly drove across your yard and crashed into your boat, causing $5,000 of damage.

They sell the car at auction for $3,000, leaving you with a deficiency balance of $7,000.  If you sue them for trespass, they can counterclaim for the contract deficiency, which is $2,000 more than your trespass damage.  So the court enters a judgment for them in the amount of $2,000.  You reduced your debt, but that doesn’t help you very much.

Example 2. Granny owes $5,000 on a $30,000 mobile home.  She bought it at high interest with $2,000 down 15 years ago.  A repo man comes out with a 5th wheel and tries to haul it off, and in so doing, he pushes Granny onto the ground and knocks open a sewage pipe, causing rotten S— to fly all over poor Granny.  This is a breach of the peace situation that allows for statutory damages of $12,000, plus some emotional distress damages for being such a jerk to a sweet old lady.  Granny will get a cash judgment.

 

How Long Does It Take to Get Garnished? – Alabama Consumer Rights Firm Judson E. Crump, PC

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Ever Wonder What Really Happens After You Can’t Pay Your Bills?

If you have not yet had the pleasure of money being forcibly collected from you, then you may wonder just what happens if you don’t pay a debt.  Of course, your creditors are probably going to threaten you with garnishments, lawsuits, and other scary tactics.  Debt collectors can be even worse.  And some folks fear that if you don’t pay a debt, you can have your paycheck garnished at any moment.  That isn’t true.  But I’m here to tell you that for most consumer debts, the collection process is a long journey that may or may not end in money actually being jerked from your paycheck.  The most important thing to know is this: you can’t get garnished unless someone has a judgment against you.  And it takes months to get a judgment.

The process starts when you first default on a debt obligation.  Default usually means that you failed to make a payment when it came due.  If you get a credit card bill asking for a $150 minimum payment due by June 1st, and you don’t pay it, then on June 2nd, you are one day delinquent, and you are in default.  Under most contracts, once you have defaulted, then you can be sued.  But that usually doesn’t happen.

Most creditors charge off accounts when they are 90 days delinquent.  “Charging off” doesn’t mean that you don’t owe the debt; it just means that the bank no longer considers your debt to be good for its face value.  Most credit card companies begin collection efforts at this time.  They’ll send letters, make phone calls, and potentially refer your account to a collection agency or sell your account to a third party junk debt buyer.

Once a creditor has given up on getting paid by you voluntarily (this can take anywhere from 60 days to 2 or 3 years), they will either sell the account to a debt buyer, who will begin the collection process anew, or they will hire a collection law firm to sue you.

Once they sue you, they have to serve you with a written copy of the lawsuit.  If they know where to find you, this takes a week or so at the best.  Once you receive the lawsuit, you have a certain, limited amount of time to answer the complaint.  In Alabama, you have 14 days to answer a lawsuit in District Court or Small Claims Court.  You have 30 days to answer a complaint in Circuit Court.  You have 21 days to answer a complaint in federal court.  If you’ve been sued for more than $10,000, then you must be sued in either Circuit or Federal Court.  If you don’t answer, or if you answer admitting that you owe the money, then a judgment is entered against you.

Once you answer the lawsuit, the case gets set for the trial docket.  In District or Small Claims, this usually means you’ll be at trial in 2 to 4 months.  In Circuit Court, trial will typically be 6 to 9 months from the date of your answer.

They cannot garnish you until they have a judgment.  So even if you lose at trial, just by fighting the lawsuit, you can buy a lot of time.  Time to raise settlement funds, or file bankruptcy, or get a new job that can help you pay things off.  Or just a bit of breathing room.

Once they have a judgment against you, they still cannot enforce it against you for 30 days.

After the 30 day stay has passed, they can seek and obtain a writ of garnishment from the court.  This requires them to state the employer or bank that they want to garnish.  Once they get the garnishment issued by the court, they have to serve it on your employer or bank.  A bank account can be zapped immediately for the funds that are in it.  Your employer, however, obviously cannot withhold wages until they’ve been earned.

So to add all this up, it works something like this: a really fast and lucky creditor may move as quickly as the legal system allows towards garnishment, and their garnishment timeline will look something like this:

District/Small Claims if You Don’t Answer:

Default -> Immediate Suit -> Answer Period (14 to 30 days) -> Default Judgment Motion (~30 days)-> Stay (30 days) -> Garnishment.

Total Time Between Missed Payment and Garnishment: 74 days.

On the other end of the spectrum, a circuit court lawsuit where you don’t roll over like a dead dog will go more like this:

If You Fight:

Default -> Informal Collection Efforts After Charge Off (2 to 24 months) -> Lawsuit -> Answer Period (30 days) -> Waiting for Trial (6-9 months) -> Enforcement Stay (30 days) -> Garnishment

Total Time Between Missed Payment and Garnishment: 10 months to 3 years.

So to make a long story short, and to oversimplify an often complex judicial process, the length of time that it takes to get garnished after you quit paying someone will be at least 2 1/2 months, and could be as long as 3 years (or never!).

Of course, better still is to not get garnished at all, by either beating the lawsuit, working out a settlement, or filing bankruptcy.

2 Debt Collectors Defeated in Court: Midland Funding and Atlantic Credit & Finance – Alabama Consumer Protection Lawyer Judson E. Crump

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We went to Court on Two Collection Suits in June.  We won both.

One of our clients was sued by Atlantic Credit and Finance Special Finance Unit, LLC.  Isn’t that a ridiculous name for a business?  I suppose they have to keep creating corporate entities to keep things complicated.  These debt buyers love to shut down in one place and open back up in another with the same ownership and management.

Atlantic Credit & Finance Win June 2015Another client was sued by Midland Funding, LLC.  They’re an old name in the junk debt purchasing industry.  They sued him for some alleged credit card debt, and when we went to court, they lacked the evidence to prove their case.

Another Midland Funding Collection Suit Won for the working folks.
Another Midland Funding Collection Suit Won for the working folks.

 

What Makes a Debt Collection Call Illegal? – Alabama Consumer Credit Attorney Judson E. Crump

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Are You Getting Harassing Telephone Calls From Debt Collectors?  They Might Be Illegal!

Sure, a bona fide creditor has a right to ask you for payment, but when do good faith collection efforts end and illegal harassment begin?

There are basically two ways that a phone call can be illegal:

  1. The call itself is illegal (meaning the debt collector never had business making the call in the first place); and
  2. The content of the call is illegal (meaning that the caller breaks the law by saying something deceptive, abusive, or offensive).

I. Categorically Illegal Phone Calls

Let’s start with the first category.  While there is, of course, nobody policing every phone call made (I hope), a business usually should have a legitimate business purpose in order to call someone.  There are two laws that regulate debt collectors’ telephone calls: the Telephone Consumer Protection Act (TCPA) and the Fair Debt Collection Practices Act (FDCPA).

The TCPA says that a business (like a debt collection agency) is not allowed to use automated dialing systems to call or text people without their express consent.  In other words, a debt collector can’t call you without your permission – IF they’re using an automated dialing system.  Fortunately, most collection agencies, mortgage servicers, and other large companies do use autodialers to make collection calls.  The rule is simple, but it has more implications than you may realize.  Here’s some examples of calls that violate the TCPA:

  • Phone calls and text messages intended for another person (like someone who used to have your cell phone number);
  • Phone calls or messages sent to a new cell number that you never gave to the collection agency or your previous creditors – Keep in mind, though, that if you put a phone number on a credit application, collection agencies can use that number to call you.
  • Calls, texts, or voice mails made by a collector after you have told them not to contact you on that number – This is called “revoking consent” and once you have revoked consent to a creditor, it applies to all future debt collectors.  For instance, if you write HSBC and tell them that they’re no longer allowed to call your cell phone, and HSBC later sells that account to Midland Funding, Midland Funding shouldn’t call that number.

The FDCPA also has some categorical restrictions on phone calls.  The two most important ones are:

  1. A collector can’t call you after 9 PM or before 8 AM – YOUR time zone.
  2. They cannot call you once they have been notified that you are represented by an attorney.
  3. They cannot call you at work if they have reason to believe that you’re not allowed to take their calls at work.

After reading this, you should remember that there are a few things you can do right now to reduce your unwanted debt collection calls:

  • Notify them that you revoke permission to call your cell phone.
  • Notify them that you cannot take any calls at work.
  • Hire a lawyer to settle (or “settle”).

II. Illegal Statements or Language in Collection Calls

The second category of illegal debt collector phone calls are those which are illegal because of something the collection agent says.  All communications made by a debt collector to a consumer are governed by the federal Fair Debt Collection Practices Act.  The FDCPA, as we call it, prohibits debt collectors and their employees from doing certain things in their collection calls.  The biggest examples are:

  • Lying.  Debt collectors cannot make any false statement when they’re trying to collect.  For instance, they can’t say that interest is going to accrue if they don’t have the right to collect interest.  They can’t say they have a warrant out for your arrest.  They can’t say that they’re going to take your home.  They can’t report false info on your credit reports.
  • Threatening.  Debt collectors cannot threaten any legal action they either can’t or don’t intend to take.  They can’t say “If you don’t pay us in 2 weeks, we’ll take you to court” if in fact they aren’t really going to take you to court.  They can’t threaten to take your car if they don’t have a lien on the car.
  • Abusive or Foul Language.  A collection agent cannot be obscene, sexually suggestive, insulting, or harassing.  They can’t call you a fatass.  They cannot call you a whore.  They cannot say that you’re a “horrible mother” or a “deadbeat dad.”  They cannot use profanity.
  • Divulging Private Information.  Collection agencies cannot tell other people your business, except your lawyer and your spouse.  Live-in girlfriends are not spouses.  Baby-daddies are not spouses.  If a debt collector calls your house and tells anyone but you or your spouse that you owe money, then they are breaking the law.

If you are getting any of the sorts of calls described above, you may be able to sue for cash damages.  If you live in Alabama, call us at 251.272.9148 to discuss your rights.

Who is Convergence Receivables? – Alabama Consumer Credit Lawyer Judson E. Crump

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Have you received a lawsuit summons from Convergence Receivables, LC?  Who are they?  What do they want?

 

Hey folks.  I am Judson Crump, an Alabama consumer protection lawyer.  One of my specialties is defending people who have been sued by companies they’ve never heard of.  One such company is Convergence Receivables, LC.

Convergence Receivables, LC is a debt buyer.  This means that they purchase old charged off accounts from banks, credit card companies, auto finance companies, or other creditors, and then try to collect them.  Sometimes, you may never get a phone call, letter, or any contact whatsoever from a debt buyer, then WHAM!  You get a lawsuit demanding thousands of dollars.

To make things worse, a lot of times, debt buyer lawsuits don’t even bother to explain why they think you owe them so much money.  They just hope that you don’t answer the complaint and they can get a default judgment and try to garnish your wages or bank account.  Or scare you into paying them.

The most important thing to remember about debt buyer lawsuits is that even if you really did owe money to someone in the past, that doesn’t automatically mean that any collector who comes along can get it from you.  Here’s why:

Imagine if you borrowed $100 from your friend, Will.  You admit that you owe Will $100, but you can’t pay him right now because work is slow and you have 3 kids.

One day, as you are walking into work, a guy named Bubba comes up to you and says “Give me $100.”  What would you say?

“Hell no, I’m not giving you $100.”

“You owe Will $100 and I paid Will $5 for your debt.  So give me $100.”

“I want some proof.”

Well, that’s the problem.  Anyone claiming to sue on behalf of another must prove not just that the money was owed, but that they have the right to the money.

So if you get sued by Convergence Receivables, LC, or some other debt buyer, you don’t have to file bankruptcy, and you may have a good chance at beating them in court and saving thousands.

The key is to call a lawyer with experience fighting these sorts of cases.  I’ve beaten dozens of collection lawsuits.

If you live in Alabama and are facing a lawsuit or abusive collection tactics by Convergence Receivables, then call me at 251.272.9148.

$30,000 Student Loan Collection Suit Defeated at Trial – Alabama Consumer Protection Attorney Judson E. Crump

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One of our clients was sued by a debt collector for a $31,000 student loan.  We beat them at trial.

Jefferson Capital Systems, LLC, a purchaser of uncollected accounts, sued my client for an alleged student loan debt.  They alleged that my client had obtained a student loan years before, and had failed to pay it, and therefore that he owed them over $31,000.

We challenged them at trial and won a judgment for the defendant.  The threat of such a large judgment hanging over his head was immensely stressful for our client.  Needless to say, winning this case took a huge load off his shoulders.

If you need help dealing with Jefferson Capital Systems, call us today at 251.272.9148.

$31,000 Student Loan Lawsuit Dismissed.
$31,000 Student Loan Lawsuit Dismissed.

Dealer Didn’t Pay Off Your Trade-In? What To Do About It – Alabama Consumer Protection Lawyer Judson E. Crump

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“My Trade-In Vehicle wasn’t paid off by the Dealer.  Now it’s still on my credit report as past due.  What can I do?”

Believe it or not, this question comes up fairly often.  You go car shopping, and you find a car you like, negotiate a value for your trade-in vehicle, sign the papers and drive off in your new ride.  You start making your new payments and all is well.  Until you find out that your old car loan – the one that the dealer was supposed to pay off – hasn’t been paid off.  And now you’re getting collection calls, and past due negative marks on your credit report.

Sometimes, it is a (mostly) honest mistake.  Your old car note information got lost in a stack of other deals and the dealer didn’t send the check to the old lien holder until a couple of months had gone by.  They eventually pay, but not before your credit takes a hit.

Other times, it is a regular practice of shady dealers.  They gladly take your trade-in, and they give you credit for its value, minus the previous lien, and they’re supposed to pay off the old lien.  But sometimes they don’t pay off anything for a couple of months, because they are waiting to see if they can obtain financing for your deal.  Even though you’ve signed the papers and already driven off in the car.  In the worst cases, they may not pay it off at all.

Regardless of their reasons, and even if they did it by mistake, a dealer’s failure to promptly pay off the lien on your trade-in vehicle can have serious negative consequences for you.  See, the lienholder will blame you for their late payment.  Your previous lienholder doesn’t care whose fault it is – all they know is that your payment is due on the first of the month, and if it is 30 days late, they’re going to report that to the credit bureaus, and it’s not going on the dealer’s credit report.  It’s going on yours.

If you have otherwise clean recent credit history, this can have a serious impact on your ability to obtain a mortgage and can increase the cost of things like credit cards and other loans.

To make matters worse, the credit bureaus don’t care whose fault it is either.  The Fair Credit Reporting Act only requires that the information they publish be as accurate as possible – not that it be a fair reflection of who is to blame for your negative credit marks.  So if you dispute a “Past Due” amount on a car loan that was only past due because the dealer screwed up, they don’t have to fix it.  And therefore they probably won’t.

So What Can You Do About It?

You’re not without hope, though.  By taking your trade-in and adding the balance of your previous lien to the cost of your new vehicle, the Dealer is being entrusted with your property.  They are taking your property partially for your benefit: to be liquidated to pay off your old lien.  And they have a contractual duty to do just that.  When they do not do so, they can be held liable to you for the damages caused by that failure.

The most common problem facing a buyer in these cases is proving that the dealer’s irresponsibility caused you damages, and proving the amount of those damages.  Most often, the only financial harm that is caused by a dealer’s failure to pay off a trade-in is in the form of credit denials and increased cost of credit.  While there have been cases of buyers who were unable to buy a home because of a dealer’s failure to promptly pay off a trade-in, this usually is not the case.  Credit reports contain lots of information, and unless you can obtain evidence from a lender that you were denied credit, or your interest rate was higher primarily due to the unpaid previous car loan, then obtaining significant compensation from the dealer is going to be hard.

So where the dealer simply waited a month or two to pay off a trade-in, it may not be worth the money of filing a lawsuit unless you can show specific harm.  You may simply want to file a small claims lawsuit or post a few negative reviews and BBB complaints against the seller.

However, if several months go by and the debt remains unpaid, then the dealer’s failure to pay the lien may be a sign of serious fraud, and you should talk to a lawyer immediately.  Particularly if the previous lien holder begins pursuing you to collect the unpaid debt.  Yes, this can happen.

This situation often involves two victims – you and the person that the fraudulent dealer sold your old car to.  I’ve had clients who were sold vehicles that the dealer didn’t even own.  If a dealer sells you a car that has a valid lien on it, then the previous lien holder may repossess the car from you – even though you never owed them a dime!

This can be immensely frustrating and disruptive to your whole life.  The loss of your transportation can cause you to miss work and family commitments, not to mention the money that you’ve paid in good faith for the car.  If you suspect that you’ve been sold a vehicle without clear title, then you need to call a lawyer immediately.

Trial Victory: JH Portfolio Debt Equities’ $9000 Credit Card Lawsuit – Alabama Consumer Protection Lawyer Judson E. Crump

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$9100 credit card lawsuit brought against my client by JH Portfolio Debt Equities - Victory at Trial for the consumer.
$9100 credit card lawsuit brought against my client by JH Portfolio Debt Equities – Victory at Trial for the consumer.

My client, Mr. Roberts, had been sued by JH Portfolio Debt Equities for an alleged credit card bill that had gone unpaid.

Mr. Roberts had never heard of these people and hadn’t even obtained a credit card from Bank of America – the people they claimed to be collecting for. He came to court and a trial was held. The judge ultimately ruled that he did not owe them any money.

JH Portfolio Debt Equities is a Debt Buyer, one of many new outfits that pop up every year to hammer Alabama citizens with collection lawsuits.

If you need help fighting a lawsuit by JH Porfolio Debt Equities in Alabama, call us today at 251.272.9148.

$11,000 Asset Acceptance Collection Lawsuit Dismissed – Alabama Consumer Protection Lawyer Judson E Crump

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Asset Acceptance Sued Our Client for $11,000.  They got $0.00

They sued for over $11,000. They got nothing. Another win for the working folks of South Alabama!
They sued for over $11,000. They got nothing. Another win for the working folks of South Alabama!

 

My client, Mrs. Hinson, was sued by Asset Acceptance, LLC.  Asset Acceptance claimed that she owed $9,000 to Capital One for a credit card, and that with interest, fees, and court costs, the debt was now over $11,000.  Mrs. Hinson answered the lawsuit and hired me to help fight it in court.  The case was dismissed just before trial.  My client paid $0.00 and the debt must be removed from her credit report.

We were able to save thousands of dollars from being garnished from her paychecks.  Asset Acceptance is a debt buyer owned by Encore Capital, the same entity that owns Midland Funding, LLC, which is probably the biggest debt buyer in the country.

 

Denied a Car Loan by Go Financial? – Alabama Consumer Credit Attorney Judson E. Crump

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GO Financial (a.k.a. “GO Credit” or “GFC Lending”) Finances Subprime Auto Sales.  If you applied for a loan with them and were denied, speak to a consumer protection lawyer right away.

We are currently investigating claims where car buyers who sought financing for car sales via GO Financial had their loan applications denied, but were not notified of any denial in writing.  Whenever you apply for a loan or to purchase a vehicle on credit or an installment plan, the law requires that whoever receives your credit application provide you with a 30 day written notice if they deny your application for credit.  This includes situations where a dealer initially tells you that you were approved, when in fact you weren’t actually approved for financing.

Who is GO Financial?

GFC Lending, LLC is a subprime auto finance company based in Phoenix Arizona, doing business under the name of “Go Financial.”  You can find their website here: https://www.gofinancial.com/

What is a subprime auto lender?  That means that they specialize in making loans to people with poor credit.  But though their corporate name is “GFC Lending,” they don’t typically lend money directly to consumers or individual car buyers.  What they do is purchase retail installment sales contracts.  See, when you finance the purchase of a car through a car dealership, you enter into a sales contract with the dealer in which the dealer agrees to let you spread the purchase price of the vehicle over time, and in return you pay the dealer a huge amount of extra money for the car.

Though the contract is between you and the dealer, the dealer immediately assigns it to a third party finance company, who then pays the dealer a lump sum for the contract.  GFC Lending is one such finance company.

Because they specialize in financing deals with low credit score customers, Go Financial can enable a lot of bad business practices by shady car dealers.  Some laws that are frequently violated by car dealers are:

Some auto dealers will tell you that they’ve gotten you approved for financing with GO Financial, when in fact they’ve only received conditional approval, or none at all.  Then, after you’ve driven off the lot with the vehicle and paid your down payment or given them your old ride as a trade-in, you find that you were never approved for any loan.  These are called “Spot Delivery” or “Yo-Yo” sales, and while sometimes they are legal, they’re often outright scams.  Even if the dealer is the one doing all the fraud, if you submit a credit application to GO Financial, they are legally obligated to provide you with a notice of their decision on your application within 30 days.  And the notification must be in writing.

One thing that a lot of buyers do not understand is that a sketchy car dealer’s violations of the law are usually enforceable against the finance company.  If you think that your rights have been violated in an automobile sales transaction financed by Go Financial, you should contact a qualified consumer protection attorney in your area.  For more information, give us a call: 251.272.9148.

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