Repo car. Now the collection agency says they will sue me

i've been dealing with a collectin agency called trilogy in san diego, ca
they claim i owe $12,000 on a car that was repossed in 2005, they claim they cut the price down to $7,500, provided that i make payments of $50.00 or more, but they won't tell me how much my carsold for... claimng if i protest the offer they gave me, than the original creditor will back out the deal and go for the original $12,000... i've been making payments but they are not reporting to the credit bueraus, i have not signed anything and i'm afraid if i dont't make a payment they will garnish my wages... i filed chapter 7 bancruptcy in 2002they have a noose around my neck what do i do???
please help, i'm a pisces too...lol
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i guess the car was a 40,000 plus dollar car or you were 12,000 upside down.
because they can only sue you for the difference in the selling price and what you owed them
when you repo a car you sell it and the difference is all that can be sured for.
you could be facing a judgment if you do not pay
but make sure you are paying a fiar price
ask for the copy of the bill of sale at auction after the repo
and how much you owed them

i would validate the debt
they may being trying to presure you into paying too much

the account was not included in your BK I assume
since you said it was repo
if included in bk. They can not sue you
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every time i ask,they threaten to back out and go for the 12,000!!!
the car was a 2001 honda accord sale price $18,000 intrest and finance jacked it up to $27,000 i paid a $450.00 car note for 3 1/2 yrs when they picked it up i owed $17,000!!!!
this is the collection agency i'm dealing with and they know i've already filed bancruptcy they have me in a noose... they claim the client is being nice by dropping the price to $7,500 and if i challange them they, will go for the $12,000!!! can thy do that???
do i have to pay...all i know is what they tell me,and i've been warned not to contact the lender or else.... is there an agency that monitors collection agency practices in california?
i 've neversigned anything with this agency, i just started sending them money every month, did that hurt me? i'm only 30 yrs old and a single mother, my only source of income is my job..what can i do??
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no this car was purchased after my bancruptcy discharged. so they really have me.
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sounds to me like they are hiding someting
contact the original lender FOR SURE
find out if the company charged off the debt on their books, if so a collection compnay can not sue for the rest as the debt was already used as a tax write of for the original creditor
validate the debt FOR SURE
contact your state atorney general FOR SURE

They can not sure your for the contract price
only the difference in what you owed and what they sold the car for.
AND
once they have accepted a lesser fee or payment plan
in tn. i don't know about cal
they can not sue you for the whole shebang
so they are bluffing.

your cal state atorney general monitors these guys
and the FTC


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