Dealing with Debt

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Question: 2014 we lease a car for 36 months st $ 229.00 a month gave our our 2004 mint condition as down payment supposedly % 5000.00 we need a larger vehicle we were moving so went to see what they could do.The.dealer paid off the Camry but added it to the truck,our payments now $579.91for 84 months.what the salesman didn't tell us that they wrapped amount of the Camry to the truck payment, so we are paying for 2 cars and they kept the car .We only have one vehicle. Is that legal? What they did? We pay $579.91 monthly,to much.our solely monthly low income is 1773.00 combined.we tried to refinance with other banks but were denied they said we owe more than the vehicle was worth.we are up to our neck with to many bills If we voluntary turned up the vehicle can they go after our only assets,a2bedroom little house? Please help,can't afford lawyer fees bankruptcy is not an option. We always have good credit,we manage with credit cards.

Answer: This question cannot be answered without knowing more information.

The Arizona Consumer Fraud Act contains the laws in Arizona regarding what constitutes fraud and the remedies available to someone who is the victim of fraud. These laws can be found at A.R.S. 44-1521 through 44-1534. If you believe you are the victim of fraud you should contact the Arizona Attorney General (www.azag.gov). You can also contact an attorney. To see if you qualify for a reduced fee attorney, call the Legal Learn line at 866-637-5341.

Here is an article from the Arizona Attorney General regarding auto purchases: https://www.azag.gov/consumer/cars

 

QUESTIONS

  • 2014 we lease a car for 36 months st $ 229.00 a month gave our our 2004 mint condition as down payment supposedly % 5000.00 we need a larger vehicle we were moving so went to see what they could do.The.dealer paid off the Camry but added it to the truck,our payments now $579.91for 84 months.what the salesman didn't tell us that they wrapped amount of the Camry to the truck payment, so we are paying for 2 cars and they kept the car .We only have one vehicle. Is that legal? What they did? We pay $579.91 monthly,to much.our solely monthly low income is 1773.00 combined.we tried to refinance with other banks but were denied they said we owe more than the vehicle was worth.we are up to our neck with to many bills If we voluntary turned up the vehicle can they go after our only assets,a2bedroom little house? Please help,can't afford lawyer fees bankruptcy is not an option. We always have good credit,we manage with credit cards.

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