Accountability
New Member
I'm from South Carolina & im in need of some legal professional advice & ill give you a brief summary of my issue. In February 2013 I purchased a vehicle title loan "which was my last resort" to help cover my Divorce & Bankruptcy legal fees. The loan amount was $5, 500 & the truck the title belonged to was valued at $10,000.The interest rate was 140% & if the payment was ever just one day late then the loan gets penalized & receives a 400% interest rate. In May 2013 my title loan was up to date with no penalties & the payoff amount was $5,000 & i had been saving money so I could get it paid off within the next three Months because since it was a secure loan then I had to pay loan off if I wanted to keep truck which I did. Also in May 2013 I had my Bankruptcy Court hearing. Everything went well but at the end the Trustee asked me & my Attorney if the title loan was processed correctly & we both answered "not sure". Then the Trustee said he may be able to purchase the loan from title company & sell back to me cheaper. As we were leaving i asked my Attorney to explain to me what the Trustee meant by selling me the title loan cheaper. My Attorney said that the Trustee was gonna take care of it & for me to stop making payments. I said are you sure because if im ever late on a payment then the loan gets penalized to a 400% interest rate. My Attorney again said don't make anymore payments unless he tells me differently. Well I stopped making payments & assumed it had been taken care of since my Attorney never contacted me about it. Well three months later when I received by mail my Bankruptcy Discharge papers I also received a letter from title loan company saying I was three months behind on payments and that my loan was now at a 400% interest rate & that my truck will be repossessed if I don't resolve this broken promise immediately. I thought the title loan company had made a mistake but I Immediately addressed this issue to my Attorney & to the Trustee. Again my Attorney told me that he would take care of it & now two weeks later my truck has been repossessed & I have to pay $10,800 within 10 days which started on 8/23/13 if I want my truck back . My estimated guess of truck value is $10,000. I immediately contacted my Attorney after the repossession & his response was this ( You should have caught up the payments, why don't you dip into your 401k retirement monies & buy back for $10,800, you should use the $1,500 which you should have saved from the three missed payments & purchase yourself a cheap vehicle because that truck isn't worth $10,800.) WOW. That was my only Transportation but thankfully my brother let me borrow a vehicle which he's gonna need back soon. Also I contacted the Trustee about this title loan issue & his response was for me to address my issues to my Attorney. I just can't understand how my Attorney could give me such strong instructions & keep telling me he's gonna take care of it but he didn't & now it appears he was wrong & im stuck with the consequences of his wrong advice & my Attorney whom I paid to represent me hasn't shown any accountability for his bad advice & instead he's acting as if it's all my problem. Well since I just went through a Divorce which involved me attaining legal evidence to prove my ex wife's adultery, I gained some useful tools & it came in handy for this issue because I have a recent legal recorded phone conversation of me and my Attorney which can prove everything I just said. Any advice will be appreciated & thanks for the opportunity to address my problem.
