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I had some family crisis pop up and fell behind. My fault totally. I verbally negotiated to catch up on the loan. After being told several times to stop harrassing my family and employment, they continued to do so.

I would make a payment as we had agreed then within a few days I would be getting collection calls again. I would tell them that within 6 months I would be totally caught up and they wouldn't call for a few days. They would call me family and threaten them. they would call me and try to threaten me, until I would quote them collection laws. Finally one day they called my boss and told him that they were sending a tow truck to my house to get my vehicle. I called them immediately and told them that I had told them at least a dozen times not to call my employer and that they were violating federal law. They apologized and asked me to continue paying as I had promised. I told them that I was done with them and to let me know when they wanted to pick up the vehicle because I was goint to voluntarily surrender it to them.

They told me that they would call me and let me know when they were coming to get it. For several weeks they just sent the tow truck to my house without notice, and when I wasn't home they would leave notes on my door and then call me and threaten me for not having the vehicle in my driveway. I told them to let me know when they wanted it and I would have it ready for them. Finally there tow truck showed up a day I was home. I backed it out of my garage and handed them the keys. A couple of hours later Triad called me and offer to sell the vehicle back to me. I told them that I did not want it back.

They sold the vehicle at a private auction, which is illegal in my state on a voluntary surrender, for half of what I owed on it, then they sued me. The Judge dismissed the case because they had violated so many state and federal laws. There Attorney was pissed. My advice, when dealing with these guys is to fight them all the way.

That was 8 years ago. Since then, I have not had another auto loan. I buy everything with cash. I get way better vehicles and I don't have the stress of making payments every month.

Location: Burley, Idaho

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Yup, they repoed my truck in 1999 and now they start calling me to collect, 13 years later. Saying the account was charged off in 2009 so they have a legal right to sue.

Told them I wanted proof of the claim to send me information, and they refuse to. Get a call in the morning from a lady saying that they wiill see for 6 months at $500 a mnonth that it starts on the 31st of July. I told them I wanted proof of the debt BEFORE I agreed to anything (im doing Bankruptcy in 1 month, still paying on it), and they wanted all my account information or send the payment western union, when I told them no, that I will send a money order they refused.

I do not know if they are serious about taking me to court. Need to look up laws.

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