The week my car payment got skip-traced changed everything

I missed two payments on a $380 loan for a 2012 Honda Civic because I lost my restaurant job back in March. Then one Thursday I got a call from a guy named Ray at Credit Acceptance Corp who said they'd offer a hardship deferment if I could prove I was job hunting. I sent them 8 applications I'd filled out that week and they bumped my due date by 60 days with no extra fees. Has anyone else had a lender actually work with them like that instead of just sending it to collections?

3 comments

3 Comments

charles_young9221d ago

So Ray actually called you instead of sending it straight to collections?

aaron_mitchell21d ago

Damn, did Ray actually seem human on the phone or was it just another scripted pitch?

leehall21d agoOG Member

Exactly what I was wondering. The thing nobody's talking about is if they recorded the call. An actual human would slip up or say something off script, a pro telemarketer reads a screen. If you heard him fumble for words or pause in a weird way, that tells you more than the actual words he said. I'd bet money Ray's just the name they flash on the screen for that sales floor.