Defaulting On Car Title Loan

Summary

Defaulting on a car title loan in Arizona can lead to immediate repossession. Lenders must provide a default notice before repossession, and you have the right to cure the default. If the vehicle title is not in your name, taking out a title loan is generally not legal. Seek legal advice and contact Mohave County Legal Aid for assistance.

Full Conversation

default on a car title loan for *.*
What is the duration since you defaulted on the loan, ****?

In Arizona, lenders can repossess your vehicle immediately after a default on a title loan.
I got email last WK but I responded the same day asking for all documents they had cuz in the email they said a payday loan not car title loan so I ask for allegedly documents I sign cuz I didn't get nor have ever had a payday loan but after I Google to research it & it same thing
Did you receive any response or documents after your request to the lender?

In Arizona:
- Lenders must provide a default notice before repossession.
- You have the right to cure the default before repossession.
no nothing
What is the name of the lender? In Arizona, lenders are required to provide a default notice before repossession.
speedy cash
What is the date of your last payment to Speedy Cash?

In Arizona:
- Lenders must provide a default notice before repossession.
- You have the right to cure the default before repossession.

Speedy Cash contact: *-*-*-*.
IV never made any payments the payment 1st payment due Oct *
What was the original term of your loan agreement with Speedy Cash? In Arizona, title loan terms can't exceed 180 days.
I'd have to look it up I got call my mother past away & family need help for service wasn't thinking clear they first one I tried was approved for *.*
I'm sorry for your loss, ****. Can you confirm if the loan was taken out in Arizona?
yes move county
Which county in Arizona did you move to?
Mohave
The nearest court to you in Mohave County is the Mohave County Superior Court. Address: * E. Spring St, Kingman, AZ *. Phone: (*) *-*.
yes
I'm sorry to hear about your situation. Have you considered seeking legal advice from a local attorney in Mohave County?
that what I'm trying now cuz I'm disabled live only on ssdi
I understand your situation, ****. Have you tried reaching out to legal aid services in Mohave County? They might be able to provide free or low-cost legal assistance.
Google it u were first I saw
I recommend contacting Mohave County Legal Aid at (*) *-* for free or low-cost legal assistance.
ok thank u
You're welcome, ****. Don't hesitate to reach out if you have more questions. Good luck with your situation.
ty
****, have you received any written notice from Speedy Cash about the default on your loan?

In Arizona:
- Lenders must provide a default notice before repossession.
- You have the right to cure the default before repossession.

Mohave County Superior Court: * E. Spring St, Kingman, AZ *. Phone: (*) *-*.
no not at all
In Arizona, lenders are required to send a default notice before repossession. You may want to consult with a lawyer about this. Mohave County Legal Aid can be reached at (*) *-*.
ok I'm just still overwhelmed can't think straight
I understand, ****. It's important to take care of your mental health. When you're ready, consider reaching out to Mohave County Legal Aid at (*) *-*.
what the laws on names on title for loan
In Arizona, the person who takes out a title loan must be the legal owner of the vehicle and their name should be on the title.
if it's not
If the name on the title is not yours, it's generally not legal to take out a title loan on the vehicle in Arizona.
I took out the loan but my name's not on it
What is the name on the title of the vehicle for which the loan was taken out?
my husband & I purchased a used trk a that wknd & could transfer title in are name until Monday DMV closed I gotta call sat night my mom passed need emergency $ for service I started looking up loan speedy cash I online request a *.* loan was approved right away only asking for a screenshot of my Dr license,& the vehicle vin# I thought no big deal if it goes through I'm going down next day to get it n my name,or they will reject it & the money was deposited in my back in a few hrs later
Who is the legal owner of the vehicle according to the title?
from the gentleman we bought it private owner n California
Did you manage to transfer the title to your name after receiving the loan?
no the man Mr Williams,karnes just meet us at my DMV last Wednesday to give release of transfer of title I have to go to needle to take care it
Did you inform Speedy Cash about the title transfer situation before or after taking the loan?
never
In Arizona, it's generally not legal to take out a title loan on a vehicle if your name is not on the title. You should consult with a lawyer about this.
regardless of the car being in my possession & bill of sell right to me
Did you provide Speedy Cash with the bill of sale during the loan process?
no I didn't think if be approve I have no credit & they said need a copy of my id what's car vin than 4hrs later I got email staying money was deposited into my account I wasn't thinking very clear no excuse but overwhelmed I m deal with trying to buried my mom I just found died same day I have epilepsy & had a seizure that WK & just not getting BK on my toes
Did you sign any loan agreement with Speedy Cash when you received the loan?
when they ask for id vin,& agre to electric signature
Did you read and understand the terms of the loan agreement before agreeing to the electronic signature?
not at all I didn't read anything my focus was I need $ asap it was a very unexpected death she lives in Texas having breathing problems went in they put her on respirator & told us she died of complications to COVID
I'm sorry for your loss. Did Speedy Cash provide you with a copy of the loan agreement after you electronically signed it?
all n email
Did you save the email with the loan agreement? It's important to review it to understand the terms and conditions of the loan.
IV never spoke to them in any way at all but corresponding in email
Did you receive any written notice from Speedy Cash about the default on your loan?
yes
What was the content of the default notice you received from Speedy Cash?
no not at all it's a debt collector I got a email from
What is the name of the debt collection agency that contacted you?
give me sec to look
What was the date of the email you received from the debt collection agency?
ACP debt collector
What was the content of the email you received from ACP debt collector?
Sept * & I responded right away same day
What did you say in your response to ACP debt collector?
I said IV never had a payday loan ever can u send me any all paperwork u have allegedly that I signed
Did you receive any response from ACP debt collector after your request for the paperwork?
u want me to put it on here to look at
Sure, if you're comfortable sharing the response from ACP debt collector, it could help in understanding your situation better.
yes I have nothing to hide just wanting help to fix a bad mistake by my actions of stupidity due to the shoke stress
What was the response from ACP debt collector after you requested the paperwork?
give me a min I'll post it here
What was the content of the response you received from ACP debt collector after you requested the paperwork?
I don't no what that means
What is the content of the email or document that you received from ACP debt collector that you don't understand?
they said payday loan I did car tile loan
Did you clarify with ACP debt collector that your loan was a car title loan and not a payday loan?
no
It's important to clarify the type of loan with ACP debt collector. Miscommunication could lead to unnecessary complications.
Here Plaintiff ACS(Legal Department) * W Highland Ave, San Bernardino CA * Defender, Angel ****, We are hereby informing you that my client ACS is going to file a legal case against you at District Court. Your total outstanding with late charges, interest charges and attorney charges has been reached to *.* which is more than enough to file a lawsuit. As advised by my client, I hereby give you a notice before filing this case. Unfortunately, by ignoring these warnings you are damaging the excellent credit record you had previously maintained with the company. In addition, you are incurring additional expenses to yourself and to us. Be notified that documents are being prepared for the issue of summons regarding the above debt. JUDGEMENT in this matter may lead to: (a) Additional legal Costs being Charged. (b) Entry on the COURT JUDGEMENT REGISTER making it difficult to obtain future Credit FAILURE to make payment after judgement of Court lead to: (a) Seizure of assets by a Court (b) Attendance in Court for an Oral Examination regarding assets, liabilities, Income and outgoings (c) A Garnishee order attached to your bank accounts. (d) Bankruptcy or liquidation You will receive a legal notice at your address within the next * business days if this case remains unresolved. It is essential that you immediately settle this account by sending money for the full amount. The consequence of ignoring this notice could be very serious. To settle this case contact directly Maria Barnett and reply back to the same email. Sincerely, Maria Barnett.
Did you respond to this legal notice from ACS(Legal Department)?
here's my response to that email your reading
What was the content of your response to the legal notice from ACS(Legal Department)?
outgoings (c) A Garnishee order attached to your bank accounts. (d) Bankruptcy or liquidation You will receive a legal notice at your address within the next * business days if this case remains unresolved. It is essential that you immediately settle this account by sending money for the full amount. The consequence of ignoring this notice could be very serious. To settle this case contact directly Maria Barnett and reply back to the same email. Sincerely, Maria Barnett.
Did you contact Maria Barnett to settle the case as mentioned in the email from ACS(Legal Department)?
outgoings (c) A Garnishee order attached to your bank accounts. (d) Bankruptcy or liquidation You will receive a legal notice at your address within the next * business days if this case remains unresolved. It is essential that you immediately settle this account by sending money for the full amount. The consequence of ignoring this notice could be very serious. To settle this case contact directly Maria Barnett and reply back to the same email. Sincerely, Maria Barnett.
Did you respond to Maria Barnett's email or attempt to settle the case as suggested in the email from ACS(Legal Department)?
I have no payday loan or have ever got one send me whatever paperwork u have that I allegedly signed or entered into, & I will look it over with my attorney. thank u
Did you receive any paperwork or response from ACS(Legal Department) after your request?
this was my response to email
What was the response from ACS(Legal Department) after you sent your email?
no nothing
Did you ever receive any documents or contract from Speedy Cash when you took out the loan?
no
Did you ever receive any documents or contract from Speedy Cash when you took out the loan?
I did send them a email 4days after I got loan staying revocation of unotherized for debt cuz I had to have auto payment
Did Speedy Cash respond to your email about the revocation of unauthorized debt and auto payment?
no
Did you ever receive any documents or contract from Speedy Cash when you took out the loan?
not in email but I think on there Mobil site on my login account
Can you access the loan agreement from your mobile login account on Speedy Cash's site?
I'm sure I can log in go to my account see what documents if any are listed
Can you please check and let me know if you find the loan agreement in your Speedy Cash account?
if I go out of this how do I send it to u
You can take a screenshot of the document and attach it in our chat. Please make sure to cover any sensitive information.
ok give me 5min I'll look & than be BK on here
give me a 5min to go to that site look than I'll be BK on here
Sure, take your time. We'll be here when you're ready.
k my email ****.mcall@yahoo.com if some reason I can't come right BK on this
What is the current status of your vehicle? Is it still in your possession or has it been repossessed by Speedy Cash?
no it mine it's my husband trk I have my own car Altima
Did Speedy Cash or any debt collection agency attempt to repossess your husband's truck?
no the last thing IV Hurd from them is the email I showed u no more any anyway
Did you inform Speedy Cash that the vehicle title is not under your name? In Arizona, the person who takes out a title loan must be the legal owner of the vehicle and their name should be on the title.
no
Did you ever disclose to Speedy Cash that the vehicle was not under your name when you applied for the loan?
no like I said the wanted screenshot of my id & the vin # no screenshot of title just what's the #
Did you ever inform Speedy Cash that the title of the vehicle was not transferred to your name when you applied for the loan?
no
Did you ever receive a written notice from Speedy Cash about the default on your loan?
no after I received the loan 4day later I didn't want them to have my full back routing # account # so I emailed them telling them I'm revocation of unotherized debt & didn't make any payments than only received the email from them than the second one with me responding asking for there paperwork cuz I never had or got payday loan
Did you receive any response from Speedy Cash after you sent the email revoking authorization for automatic payments?
no but didn't want to just wait so I'm trying to get help to figure this out
What was the date when you sent the email to Speedy Cash revoking authorization for automatic payments?
Aug *
Did you receive any written confirmation or acknowledgement from Speedy Cash after you sent the email revoking authorization for automatic payments on August 10th?
no
Did you receive any communication from Speedy Cash or any debt collection agency after August 10th?
let me look
sorry I was wrong on date the loan was on Aug * I sent revocation email *
Did you receive any response from Speedy Cash after you sent the revocation email on August 13th?
no just an email reminder that payment was on Oct *
What was the content of the email reminder about the payment due on October 1st?
just a friendly reminder your payment is Oct *
Did you make the payment that was due on October 1st?
no
What was the reason for not making the payment due on October 1st?
I had a seizure and as of yesterday was able to be more mobile alert & first thing this morning I started researching for help I'm permanently disabled I have grand maul seizure
I'm sorry to hear about your health condition. Have you informed Speedy Cash about your medical situation and inability to make the payment?
that actually on my medical records I have sids STRESS induced seizure disorder
Did you inform Speedy Cash about your medical condition, specifically your stress-induced seizure disorder, and how it might affect your ability to make payments?
no I have spoken to them since Aug * when I I got my loan
Did you receive any written notice from Speedy Cash about the default on your loan? In Arizona, lenders are required to send a default notice before repossession.
no nothing Aug * * was LAST time IV had any communicate to them in any way phone ,by Mail nothing
What was the last communication you received from Speedy Cash or any debt collection agency?
the email u have from debt collector
What was the content of the email you received from the debt collector?
u have it
What was the date of the email you received from the debt collector? In Arizona, lenders are required to send a default notice before repossession.
why are u repeating the same exact question IV answer it u have the everything IV gotten from them I put on here
I apologize if it seemed repetitive. I wanted to ensure I have all the details. Have you considered filing a complaint with the Arizona Attorney General's Office about this issue?
why
Filing a complaint with the Arizona Attorney General's Office could help in resolving your issue. They can investigate and take action against unfair business practices.
IV never had any legal matter no ticket no accidents nothing & don't understand anything of legal that's why I'm seeking an attorney on my own B4 I'm forced to after they file
What specific legal action has been threatened or taken against you by the debt collector or Speedy Cash?
what in the email I showed u on here
What was the exact date you received the email from the debt collector?
Sept *
Did you respond to the email from the debt collector dated September 19th?
it's on here
What was the content of your response to the debt collector's email dated September 19th?
look at early conversation on here everything IV gotten from them or respond to them all my documents I have I put on here for u to see
What was the content of the email you received from the debt collector on September 19th?
Here Plaintiff ACS(Legal Department) * W Highland Ave, San Bernardino CA * Defender, Angel ****, We are hereby informing you that my client ACS is going to file a legal case against you at District Court. Your total outstanding with late charges, interest charges and attorney charges has been reached to *.* which is more than enough to file a lawsuit. As advised by my client, I hereby give you a notice before filing this case. Unfortunately, by ignoring these warnings you are damaging the excellent credit record you had previously maintained with the company. In addition, you are incurring additional expenses to yourself and to us. Be notified that documents are being prepared for the issue of summons regarding the above debt. JUDGEMENT in this matter may lead to: (a) Additional legal Costs being Charged. (b) Entry on the COURT JUDGEMENT REGISTER making it difficult to obtain future Credit FAILURE to make payment after judgement of Court lead to: (a) Seizure of assets by a Court (b) Attendance in Court for an Oral Examination regarding assets, liabilities, Income and outgoings (c) A Garnishee order attached to your bank accounts. (d) Bankruptcy or liquidation You will receive a legal notice at your address within the next * business days if this case remains unresolved. It is essential that you immediately settle this account by sending money for the full amount. The consequence of ignoring this notice could be very serious. To settle this case contact directly Maria Barnett and reply back to the same email. * W Highland Ave, San Bernardino CA * W Highland Av
What was your response to this email from ACS(Legal Department)?
I have no payday loan or have ever got one send me whatever paperwork u have that I allegedly signed or entered into, & I will look it over with my attorney. thank u
I have no payday loan or have ever got one send me whatever paperwork u have that I allegedly signed or entered into, & I will look it over with my attorney. thank u
I have no payday loan or have ever got one send me whatever paperwork u have that I allegedly signed or entered into, & I will look it over with my attorney. thank u
Did you receive any response or documents from ACS(Legal Department) after your request?
no
no
no
no
no
no
no
no
no
no that the last correspond
no
I haven't Hurd nothing after that
no I haven't
no IV never Hurd from them again
What was the original term of your loan agreement with Speedy Cash? In Arizona, title loan terms can't exceed 180 days.
I don't no I never read it I was still in the phone to my brother that called to tell me mom died started freaking out to figure out what we're gonna do in that moment I would got rid of anything to get the funds to buried my mom I was completely in fog in a panic to get fund wasn't CLEARLY thinking my fault *% for not reading anything my main concern at that moment was get *.* to buried my mom
I'm sorry for your loss. Did you ever receive a copy of the loan agreement from Speedy Cash, even if you didn't read it at the time?
not to me but on the speedy cash website app
Can you access the loan agreement from the Speedy Cash website app? It's important to understand the terms you agreed to.
yes it will take a few min sorry this is all extremely overwhelming to me I'm still not think at full normal but I don't want to wait for last min or when I do it I do get served for Court
yes let me go over to the website I'm doing all this by my phone
Sure, take your time. Once you have the loan agreement, it would be helpful to review it for any terms or conditions that you might not be aware of.
I'll screenshot it put it on here I'm going out of this window to Access there website
I have to go out of this window to go access there website
I'll be about * to 10min get it than I'll be BK on here to show u the contract I'll screenshot it put it on her
Sure, take your time. We'll be here when you're ready.