QuestionI had previously leased a vehicle from NMAC and I left my
car in the states when I went out of the country for 4
months. I came back and my car wasn't being paid on so I
turned my car in because I had repo papers in the mailbox. I
willingly gave the car back, thinking I would be done with
it and save money for another car. The collection agency is
calling me non stop telling me I owe them over 3,000 dollars
to settle. I told them I was out of the country, I gave the
car back when I came back and as far as I'm concerned I'm
done with them because I did the right thing by giving the
car back willingly. They're telling me they are the last
resort and a constable is going to come find me and make me
sit in jail. What is the law on this?
Answersome of this does not sound right, specially the part of "Making you sit in jail"
We outlawed debtors prisons many years ago and it sounds like the collection agency just violated some FTC (Federal Trade Commission) regulations on debt collection practices...
(the only debt collector which can send you to jail is the IRS)
Contact the FTC and see what your rights are, and you might be surprised what happens.
Now as to the balance, they are correct in trying to collect what the vehicle sold for at auction verses the value of the vehicle or loan. That they can do, legally.
But there is some stuff in your question which raises a few questions here also. You were out of the county ???
Military??? If that is the case then there are additional laws which might help you.
