Rent To Own Legalities

Summary

The user and her husband are unable to keep up with payments for a rent-to-own agreement due to job loss. The company, based in Kentucky, has stopped cooperating with them. The user is unsure about the specifics of the agreement and is concerned about potential legal repercussions. The user has been advised that debt is generally a civil matter and that she cannot be arrested for not paying the rent-to-own agreement. The user has also been advised to obtain a copy of the agreement to understand the terms they agreed to.

Full Conversation

I have two questions im hoping you can help me with
Of course, ****. Please go ahead and ask your questions.
My husband and i owe rent to own but its because i lost my job and they started to refuse to work with us to keep up on the payment so now im worried they can try to arrest us can they? And also how does it affect our situatuion when they are located in kentucky but i live in west virginia.
Did you sign any agreement with the rent-to-own company?
General Information:
- Debt is generally a civil matter, not criminal. You can't be arrested for not paying your rent-to-own agreement.
- The laws of the state where the contract was signed usually apply.
I dont remember sigining one so as far as i know it was only my husband even though i had to be put on it because i was the only source of income
Do you have a copy of the agreement that your husband signed? It's important to know what was agreed upon.
No they never gave us one and never offered to give us one as far as i know
Can you request a copy of the agreement from the company? It's crucial to understand the terms you agreed to.
Im going to doubt it theyre waiting on us to hring the stuff back and we cant because we dont have a reliable vehicle and they havent even came to try to get the stuff back yet
What is the nature of the items you're supposed to return?
Two televisions, a nintendo oled switch, and a generator
What is the total value of these items?
?
What is the total value of these items?
Im going to guess that they may total value around maybe *,* total for all of the items but thats nowhere near what they charged us for them. If weve added it correctly weve already paid nearly *,* for just one of the televisions
What is the name of the rent-to-own company you're dealing with?
Rebt-to-own
What is the exact location of the Rent-to-own company in Kentucky?
Ashland Ky
What is the duration of your rent-to-own agreement?
Weve dealt with them for newrly * or 3 years
What was the initial term of your rent-to-own agreement?
I dont know
What was the payment plan you agreed upon with the rent-to-own company?
Theyre were several we paid so much a week and so much a month
What was the last payment plan you agreed upon with the rent-to-own company?
Around *-*-*
What was the amount of the last payment plan you agreed upon with the rent-to-own company?
Around *.*
What was the frequency of the payment plan (weekly, monthly, etc.)?
Monthly/weekly
What was the last date you made a payment to the rent-to-own company?
Around *-* or *-*
What was the amount of your last payment to the rent-to-own company?
*.*
What was the reason given by the company for not working with you on the payments?
They just said it was the best they could do on a hardship plan
What was the hardship plan they offered you?
I dont remembet
Can you provide any details about the hardship plan they offered, even if you don't remember the exact terms?
Reme
What was the last communication you had with the rent-to-own company?
It was on * or *-*
What was the content of your last communication with the rent-to-own company?
They told us that we would have to pay * on the 16th of the month of september
What happened when you couldn't make the payment of * on the 16th of September?
Thats when the letters started to come
What do the letters from the rent-to-own company say?
They just say that since we missed our payments to return the stuff to them
What is the date on the most recent letter you received from the rent-to-own company?
Maybe the beginjing of this month
What actions have you taken since receiving the most recent letter from the rent-to-own company?