Sued over repossession in a different state.

[Bushcraft1]

I joined the military and while stationed in El Paso I got a truck from a dealership. Had it for almost 2 years and during that time moved back to Kentucky when my military contracted ended. Truck gets repoed when I get behind on my payments and I don't hear a word for 2 years then today I get a letter saying my creditors are suing me for 9000 which I assume is the deficiency. they never gave me a sale notice or any papers that I owe any money, they had my new address because they even repoed the truck from my new residence. But since it's in Texas can I get a Kentucky lawyer and how should I handle this please help.

 

[Zigner]

I joined the military and while stationed in El Paso I got a truck from a dealership. Had it for almost 2 years and during that time moved back to Kentucky when my military contracted ended. Truck gets repoed when I get behind on my payments and I don't hear a word for 2 years then today I get a letter saying my creditors are suing me for 9000 which I assume is the deficiency. they never gave me a sale notice or any papers that I owe any money, they had my new address because they even repoed the truck from my new residence. But since it's in Texas can I get a Kentucky lawyer and how should I handle this please help.

If you can find a Kentucky lawyer who is also licensed to practice in Texas and who will take this case on, then go for it. Otherwise, you will need a Texas attorney. Before you throw good money after bad, are you arguing that you don't owe this money, or are you arguing that they never told you how much you would owe? I suspect that, once the case starts rolling along, you'll find that you did receive proper notice per your original contract.

 

[Bushcraft1]

I know I owe the money and I would of happily did payments if I would of known it was sold and how much I owed but I never recieved anything. I have an appointment wth an attorney soon someone told me they might be able to get it moved to Kentucky since I've lived her for 3 years.

 

[Zigner]

I know I owe the money and I would of happily did payments if I would of known it was sold and how much I owed but I never recieved anything. I have an appointment wth an attorney soon someone told me they might be able to get it moved to Kentucky since I've lived her for 3 years.

That's the definition of throwing good money after bad. You KNOW you owe the money, so you know you will lose in court, but you want to prolong this, thus incurring legal fees of your own, as well as increasing the legal fees that the other side is incurring (for which you will likely be found responsible.)

 

[Bushcraft1]

How should I handle it from here, who do I contact. Or will they just come after my bank account.

 

[Zigner]

How should I handle it from here, who do I contact. Or will they just come after my bank account.

Contact the folks that are suing you. I am NOT saying that you shouldn't sit down for a short period with an attorney to review matters, but I am saying that you need to think hard about the financial consequences of hiring an attorney and/or prolonging this.

 

[Bushcraft1]

Alright I appreciate it. I'll go to the attorney first then proceed from there.