We filed chapter 7 2 years ago, it was discharged and we reaffirmed our car loan. I had been sending my car payments to the wrong address for two years to an old address. eventually the post office would forward the payments and then send them to Wachovia. Someone showed up at our door to take the car, we would not let them. Then they had a key made and stole the car at Jon's work. we eventually got the truck back $2, 000 later. Last week they did they same thing. I found the last payment still hadn't cleared the bank (also sent to the wrong address). every month I would make a copy of my original agreement and hand write a note: is this the correct address? can I please get a bill every month showing our declining balance? Not one single time did any one every respond. Technically we are two days behind (the last check is still not trying to clear the bank). They now say we must come up with $13, 314.00 to get the truck back. My god I am so sick of dealing with these people!!! Since we reaffirmed this loan and our chapter 7 was discharged 2 years ago can they come back to us for the difference? Our attorney doesn't seem like he wants to help us as it won't be a big money maker for him. How can a company repossess a vehicle without any kind of warning like that? Does anyone have any suggestions? I don't know what do. It seems like these people are vultures just waiting for an excuse for someone to fall behind especially the ones that are reaffirmed cause they know they will get their money regardless.
Does anyone know of a way to join the various class action lawsuits that are going on with Wachovia?