Invoice Consolidation Repossession Laws

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Summary

If a company consolidates invoices and sets a new due date, the past due amount is typically considered inactive. Repossession should not occur if youre not in default of the new terms. Repeated threats and undue pressure may be considered harassment. Document all communications and consider consulting a legal expert for personalized advice.

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California.
Hello, C'Leste! Thank you for reaching out. Could you please provide more details about your legal issue? This will help me give you the most relevant information.
If a company combines new & old invoices into one. And creates a new future due date. Can the original past due amount still be seen as in default if that invoice is considered inactive & the new amount & due date are active?
Hello, C'Leste! Thank you for providing more details.
Here’s some general information regarding invoice consolidation in California:
- When a new invoice is created with a future due date, it often supersedes the old invoices.
- If the original past due amount is consolidated and marked inactive, it's typically not considered in default.
- However, this can vary depending on the terms agreed upon between the parties involved.
To get a precise understanding, I'd suggest consulting with a legal expert in California.
Is there anything else you need help with?
So if I have a new invoice of $* due Thursday. Even if technically it may include a past due amount of $*. But after they consolidate it & generate a new due date & deem the old one inactive. Can they repo the car 2 days before the new due date? & Especially if they don't provide a way to pay the $* separately
Hello, C'Leste. In California, repossession practices are regulated, and generally, if a new invoice is issued with a future due date, the older amount is considered inactive. Here are key points:
- If the consolidated invoice supersedes the old one, the car generally cannot be repossessed based on the inactive past due amount.
- They should not repossess the car if you've complied with the new due date terms.
For specific advice, consulting a legal expert in California is recommended.
Is there anything else you need help with?
Well I didn't have a chance to comply with the new due date since it wasn't due til Thurs, but the took it on Tues
Hello, C'Leste. I'm sorry to hear about your situation. In California, repossession laws are quite specific. Here are some important points:
- Repossession should not occur if you are not in default of the current terms.
- If they repossessed before the new due date, it might be a violation of your rights.
To address this, consider contacting a legal expert in California for detailed advice. Do you need help finding a legal expert near you?
Even though "technically" $* was in default, but they overrode that with the new due date, right? Ruining their own chances to claim it was in default, right? They should've waited until Friday to take the car at least.
Hello, C'Leste. Based on the information provided, here are key points about repossession laws in California:
- If a new due date supersedes the old one, the original past due amount is usually not considered in default.
- Repossession should not occur if you're not in default of the current terms.
Would you like assistance in finding a legal expert near you?
Is it legal for a company to consolidate their invoices and still expect you to pay the past due before the new consolidated due date?
Hello, C'Leste. Here's some general information about invoice consolidation and repossession in California:
- If a company consolidates invoices and sets a new due date, they typically cannot expect payment of the past due amount before the new due date.
- If they repossess the car before the new due date, it may be considered a violation of your rights.
Would you like assistance in finding a legal expert near you?
And is it legal for them to expect you to pay the full amount before the due date, to fix the default $*? Like they try to say the full amount is due & they are doing you a favor by making an invoice for the past due amount they expect to be paid before the consolidated due date
Hello, C'Leste. Here's some general information about your situation regarding invoice consolidation and the due date in California:
- If a company consolidates invoices and sets a new due date, they should not expect you to pay the full amount before that due date.
- If they demand payment before the new consolidated due date, it may not be legal.
Would you like assistance in finding a legal expert near you for more personalized advice?
So my car got Repossessed on a Tues over a past due amount not reflected on their consolidated invoice with a Thursday due date
Hello, C'Leste. I'm sorry to hear about your situation. Here are some key points regarding repossession laws in California:
- If a new consolidated invoice with a future due date is issued, the past due amount should generally be considered inactive.
- Repossession should not occur if you're not in default of the new terms.
Would you like assistance in finding a legal expert near you for more personalized advice?
Exactly. I just needed that confirmed! Thank you.
Hello, C'Leste! I'm glad I could provide the information you needed. If you have any other questions or need further assistance, feel free to ask. Have a great day!
Ok actually, one more .. this is common sense to me. How come a big corporations doesn't seem to know this or would try to get away with it?
Hello, C'Leste. It can be frustrating when big corporations don't follow clear practices. Sometimes, they may be unaware, or they might hope customers won't challenge them. Documenting everything and seeking legal advice can help protect your rights.
Would you like assistance in finding a legal expert near you for more personalized advice?
Even if their invoices don't make sense, wouldn't it have been in their best interest to have just waited until Friday when the current terms could've been considered in default?
Hello, C'Leste. It would indeed have been more prudent for the company to wait until the new due date before taking action. Acting prematurely can lead to legal complications and customer dissatisfaction. Would you like assistance in finding a legal expert near you for more personalized advice?
& there's no loophole that they can use to justify their actions?
Hello, C'Leste. In general, California repossession laws are quite strict, and the company should follow the terms outlined in the most recent invoice. Here are key points:
- Repossession should not occur if you are not in default of the current terms.
- Premature repossession can be contested legally.
Would you like assistance in finding a legal expert near you for detailed advice?
& even by their own words, the past due invoice is inactive & will mess up their system if you pay it. & The new consolidated invoice is the "active" one. So even if * late payments make up the new amount. It's not considered late anymore based on the current terms, correct?
Hello, C'Leste. Based on the information provided, if the company has issued a new consolidated invoice with a future due date and marked the past due invoice as inactive, the past due amount should generally not be considered late under the new terms.
Would you like assistance in finding a legal expert near you for more personalized advice?
And the fact it's their regular invoicing and not a past due notice
Hello, C'Leste. Thank you for the additional information.
In California, if the company has issued a regular invoicing with a new due date and marked the past due invoice as inactive, the past due amount should generally not be considered in default under the new terms.
Would you like assistance in finding a legal expert near you for more personalized advice?
Are the letters and expectations they have by expecting, pressuring and threatening you to either pay half or all BEFORE the due date
Hello, C'Leste. Based on California laws:
- If a new consolidated invoice has been issued with a future due date, they generally cannot demand payment before that date.
- Pressuring or threatening to pay before the due date may not be legal.
Would you like assistance in finding a legal expert near you for more personalized advice?
Considered harassment?
Hello, C'Leste. In California, aggressive or threatening behavior by a company to force payment before the due date could potentially be considered harassment. Here are some key points:
- If pressure or threats are being used to demand early payment, it may violate consumer protection laws.
- Document all communications and consider consulting a legal expert.
Would you like assistance in finding a legal expert near you for more personalized advice?
Is telling you you breached the contract (as their past due notice) & threatening repo every week considered aggressive?
Hello, C'Leste. In California, aggressive tactics like weekly threats of repossession and constant breach notices can be considered harassment. Here are key points:
- Repeated threats and undue pressure may violate consumer protection laws.
- Document all communications carefully.
- Consider consulting a legal expert for advice.
Would you like help finding a legal expert near you?
Like receiving * "First and Final Warning before termination" notices in * weeks that they didn't enforce considered harassment. I told them they were triggering & they said I could ignore them.
Hello, C'Leste. I'm sorry to hear about your situation. In California, repeated threats and undue pressure might be considered harassment. Here are some key points:
- Repeated, unenforced warnings can be seen as harassment.
- Informing them of the triggering effect and their dismissal of it may strengthen your case.
Would you like assistance in finding a legal expert near you for more personalized advice?
Agents would get noticeably frustrated at me when I would point out the Thursday due date when they were pressuring me for a partial payment on Tuesday
Hello, C'Leste. I'm sorry to hear about your ongoing issue. Based on California laws:
- If a new consolidated invoice with a future due date is issued, demanding payment before that date can be inappropriate.
- Repeated threats and undue pressure may violate consumer protection laws.
Would you like assistance in finding a legal expert near you for detailed advice?
Even though I have a strong wrongful repo case, could their harassment over their billing practices be enough on its own to sue it just take your business elsewhere?
Hello, C'Leste. I'm sorry to hear about your situation. In California:
- Repeated harassment and undue pressure regarding billing practices can potentially be grounds for a lawsuit.
- Documenting all communications and actions taken by the company is essential.
Would you like assistance in finding a legal expert near you for more personalized advice?
So I can add the 6 months of incessant harassment to my claim as well?
Hello, C'Leste. Based on California laws, you can potentially add the 6 months of harassment to your claim. Here are some key points:
- Repeated, unenforced threats and harassment can strengthen your case.
- Document all communications meticulously.
- Consider consulting a legal expert to ensure all aspects are covered.
Would you like assistance in finding a legal expert near you for more detailed advice?
& the pressure to pay the bill before the due date & the flack I received when simply pointed out their own due date.
Hello, C'Leste. I'm sorry to hear about your ongoing issue. Based on California laws:
- Repeated harassment and undue pressure regarding billing practices can potentially be grounds for a lawsuit.
- Documenting all communications and actions taken by the company is essential.
Would you like assistance in finding a legal expert near you for more detailed advice?
What about a class action for their other wronged customers?
Hello, C'Leste. A class action lawsuit can be pursued if multiple customers have experienced similar issues. Here are some key points:
- A class action requires showing that many individuals were similarly affected.
- It can provide collective relief and potentially larger settlements.
- Document all evidence and consider consulting a legal expert to explore this option.
Would you like assistance in finding a legal expert near you to discuss a potential class action?
& a class action against the repo company with multiple negative yelp reviews
Hello, C'Leste. To pursue a class action lawsuit against the repo company:
- Multiple individuals must have similar grievances.
- Collective legal action can strengthen the case.
- Document all instances and gather evidence from others.
- Negative Yelp reviews can support the claim.
Would you like assistance in finding a legal expert near you to discuss this further?
Can the compensation be significant for Wrongful premature repo & unfair business practices & repo yard disposing my property prematurely? & * mos lost wages & significant emotional distress & punitive damages?
Hello, C'Leste. Compensation can be significant in cases of wrongful repossession and unfair business practices in California. Here are key points:
- You may be entitled to compensation for lost wages, emotional distress, and punitive damages.
- Document all communications and evidence.
- Consider consulting a legal expert to evaluate your case.
Would you like assistance in finding a legal expert near you?