Toyota Motor Credit Corporation Debt Collection Complaint

Toyota Motor Credit Corporation Debt collection department,

Taking/threatening an illegal action Attempted to/Collected exempt funds New Jersey

On - -, - I sent the following correpsondence to Toyota MotorTo Whom It May Concern : I recently received correspondence indicating that I am being sued by Toyota Motor. I am writing this letter to inform those involved of the circumstances surrounding my account falling delinquent. After the birth of my child in - - I was deemed permanently - due to complications with - and - -. After several attempts to return to work full time, I was awarded monthly - - benefits in the amount of roughly - a month. Since I was not qualified for - until - years after date of -, I had to pay - a month for my - a month out of pocket. In -, I was awarded - however I had to buy additional insurance to cover this therapy. Luckily, I started attending - University in -, which offered insurance with out of pocket cost of - every - months. Yet still my prescription plan does not cover my - at full price. In - -, before I started my therapies, I was hospitalized - times for - complication, and essentially caused me to lose my part time job the


covers only half my son 's tuition. I also had - from - to - due to my sister 's inability to care for her at that time. In order for me to take care of my son and myself I needed my car. I was put in an awful position when Toyota repossessed my car even after I explained my situation. I even attempted to pay the - late car payments the day my car was repossessed but no one would speak to me. I was told Toyota Financial did not want my business anymore because my payments were late. Recently my son 's father passed away, leaving me responsible for all expenses related to him as well. My circumstances are not typically, It was a risk I to accept a loan from Toyota financial however I did not think I would be facing the health crisis I am in now. I certainly did n't expect to be - today and not physically capable of working full time. I am willing to pay Toyota the amount owed to them minus the interest and late fees. I only ask that I am given a logical amount of time to accrue the money given the circumstances. I have can supply my - award letter if necessary. Regards, - - - - -, - I went to court, and agreed to a consent judgement in the amount of $8000.00. I was told since I was not contesting the debt that I could pay it back if and when I was able to earn substanial gainful income. I was also told from the attorney representing the - and - that, he understood my hardship and even with this judgement my - - and Federal Student loan money were protected from garnishment. - -, -, I checked my account to find that monies I transfered from checking to savings to distinguish between - and book money for summer class was on hold. When contacting the Toyota and questioning why I was never notified of the levy, I was told by - -, they did not have to let me know they were levying my account '' and I would need to wait to hear from them to get the levy removed. I called - County court, they told me to contact the lawyers office again, as they could not hold federal funds by law. Prior to this I spoke to - -, and told her I could continue to submit documentation that my only income is - however she said they will continue to try to collect. Now I have a levy on my account that is causing me more - than needed.