I was off work for almost a year i asked the fina

I was off work for almost a year i asked the finance co to please lower my interst rate so i could make my payments they didn;t even credit my account from the insurance i had on the loan now they want to replevin the collatoral what do i do

2 Answers

When did you make the last payment? The finance companies can refuse to lower your payments. If it is a secured loan, then they can try to seize your collateral. 


What collateral did you put up?  Did you make any payments??

How to Deal with Illegal Loans..OhioGal's Primer
http://www.debtconsolidationcare.com/paydayloan/dealingwith-illegallenders.html
PDL's are ILLEGAL in the following states...
AR, AZ, CT, GA, ME, MD, MA, NJ, NY, NC, PA, VT AND DC
OH AND NH have very restrictive low cost interest rate laws.

SOL for all states
http://www.debtconsolidationcare.com/statute-of-limitation.html

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