Auto loan debt collectors

• Ask for the notice of sale and an itemized accounting of the sale. Lenders generally must notify you before selling a repossessed car and sell it in a commercially reasonable way.
• If the notice or the sale was improper, some states reduce or bar the deficiency.
• Check the sale price against the car’s value at the time.
• Keep any paperwork about personal property left in the car.

Time limits: In many states a car sale contract falls under the four-year limit for sales of goods, which can be shorter than the general contract limit. Check your state.

Ask the collector to prove it

1. Collecting a debt the person says they don't owe49%
2. Missing or unclear written notice about the debt18%
3. False or misleading statements13%
4. Threatened or took negative or legal action11%
5. Calling too often or after being told to stop6.4%
6. Problems with texts, emails or social media messages1.6%
7. Contacting or threatening to contact other people1.5%