Most car loans are signed at a dealership, assigned to a finance company, and often pooled with thousands of others and sold to investors. Each handoff leaves records, and the company collecting from you has rules to follow on payments, fees and repossession. We request those records and check them.
These records decide what you owe and who can collect it. They are rarely sent to you, and almost never explained. We request them, examine them and tell you in plain language what they prove and what they do not.
We trace the contract from the dealer to whoever claims it now. Under the federal Holder Rule, a company that takes your contract generally takes it subject to the claims and defenses you had against the seller.
We reconcile the lender's payment history against your own records and the contract's terms for interest, late fees and add-on products.
If a payment left your account and went missing, or was never authorized, your bank has to investigate when you report it in time. We put the report in writing and track the deadlines.
Before a repossessed car is sold, the lender generally has to send you notice. After the sale, it has to be able to explain how it calculated what you still owe or are owed.
We compare what the lender reports about the account with what its own records show, and document the differences for a dispute.
We do not promise results, and every file depends on what its records show. When a dispute is documented and pursued properly, these are outcomes it can produce:
This sample is a mortgage file, with every figure made up for illustration. An auto loan examination follows the same method: each thing the other side has to establish, what its own record shows, and a plain determination on every line.
Open the sample reportYes. Most contracts allow the lender to assign the loan, and many car loans are sold or pooled for investors. A sale does not change the terms you agreed to. The new company has to be able to show it holds your contract, and you keep the claims and defenses the contract and the law give you.
You can ask for the notice of the planned sale, the date and price of the sale, the fees charged, and a written explanation of how any remaining balance was calculated. State law sets the details and the deadlines, so the answer depends on where you live.
Put the dispute in writing to both the lender and your bank, with proof the money left your account. Your bank has duties to investigate electronic payment errors that are reported in time. We document the dispute and track the response deadlines.
No. We examine the record, explain what it proves and what it does not, and with your authorization send notices, track deadlines and route findings to the regulators responsible. What you do with the record is your decision.
Upload your documents and we will send a free summary of what the record establishes, what is missing and why it matters.
