Too often, automobile consumers think that they are getting the best deal on a new vehicle, but instead they end up with money owed on a problematic vehicle. Some cases involve deception in new or used car deals, failure to get good title, sales out of trust, odometer rollbacks, undisclosed wrecks, yo-yo transactions, and repossessions.


Payday loans are the modern version of salary-buying. Consumers find themselves trapped in one-payment term loans that are secured by checks that they cannot pay off in-full within 14 days. Renewing the loan and paying only the fees, consumers get bound into loans with usurious annualized interest percentages. Car title loans work much like payday loans, but the security is a lien on a paid-off vehicle. With the amount of the loan usually totaling less than a third of the vehicle’s value, and with interest rates of over 100%, such loans are usurious and often involve extend to repossessions.


Threats of criminal prosecution and wage garnishment are outrageous debt collection tactics to which many consumers fall prey. The Federal Fair Debt Collection Practices Act and the Texas Debt Collection Act set out those activities which are not permitted in trying to recover loans and in repossessions.


Unlike insurance policies sold to consumers by large insurance companies, credit insurance sold as a part of a car purchase are almost never paid out without the involvement of an attorney. In cases of disability insurance where the consumer notifies the creditor of a disability, the creditor will still go after the vehicle in a repossession. On many occasions, however, injured consumers in this area are entitled to relief.