My Wife has a car financed through Americredit. She called to see about refinancing or deffering a payment as I have lost my job and unemployment benefits. She is barley making enough to pay our rent and other bills. All she/we want is to get a lower payment until I can get a new job. They refuse to help, only stating they will set up payment arraingments while you continue to make your monthly payment!! What a load of BS!!! This company is as crooked as a politician! All they want to to is take advantage of people and screw up their credit!!! Is there anything that can be done is does she just screw up her credit??? No one will do a refi because she has only been working a couple months after having been laid off for over 2 years... Suggestions would be greatful!!!

I purchased a car in 2000 from Terry Cullen Chevrolet. AmeriCredit was the finance company. After 9-11 and bankruptcy of United Airlines, I was furloughed as a flight attendant twice. I had to resort to being a food server for a year and a half. I struggled to keep my car payments current. I kept in communication with AmeriCredit to pay them what I could. I did fall behind. They did agree to work with me until I completed my certification as an educator and continue with payments. I was in the process of sending in a payment which they agreed to accept and they turned around and repossessed the car anyway, my brown leather jacket left in the car and all. They sold the car and recovered $6, 000 or more for the car. They then charged it off on my credit. Never heard from them in six years. Now I am being threatened with wage garshisment if I do not pay them 21, 000, that included principle and interest after six years. I have 30 days to fix this thing and I am not a happy camper. I have read other complaints and it saddens me to hear all the stories of how AmeriCredit is treating their clients. I am going to fight and they will not win this one!