Consumer complaint received 2017-09-08
Company: FORD MOTOR CREDIT CO.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
In XXXX, my boyfriend at the time and I traded in a leased Ford Windstar for a XXXX Ford XXXX The Windstar lease was in over mileage, and due to the persistance and smooth talking ways of the District Sales Manager of XXXX XXXX in XXXX, VT, I signed the sales agreement to trade the Windstar in for the XXXX with the understanding that the over mileage was included in the price of the XXXX. The deal was, according to him, to put the overmileage amount from the Windstar lease into the price of the Expedition. The price in XXXX of the XXXX XXXX was {$24000.00}. I remember wanting to read the sales agreement before signing, but was told it was all just procedure and a standard form and there was no time to read it all. We were conned and I realized it when I received my first bill from Ford Motor Credit telling me I owed for over mileage. After repeated calls and letters to XXXX XXXX, Ford Motor Credit, and the BBB, I went to a lawyer. By that time it was XXXX and he took my case and said he had had cases with this dealership before and that " they do bad things ''. I had received a XXXX Vermont judgement from Ford Motor Credit in XXXX for {$2000.00} and the original over mileage cost was around {$1600.00}. 
In XXXX, we moved to CA. After speaking with our lawyer, we decided to drop the case because we could not afford plane flights across the country to fight this. We were living pay check to pay check and had no money, ever, and I was easily persuaded by my boyfriend ( hence buying the XXXX in the first place, in my name ). The fact still remains that we were lied to. I refused to pay for something I was lied and conned into. 
In XXXX, I was served a XXXX XXXX CA judgement for almost {$4000.00}, from XXXX XXXX XXXX Debt Collection Law Firm. In that time of my life i was in exhuberant amounts of debt. I was paying off his debts, my debts, and paying car loans and rent by myself because he was in jail. Paying a debt of {$4000.00} that we were conned into in the first place was out of the question. Unfortunately, I was also conned by my boyfriend. In XXXX I finally separated from him and have been working to repair my credit ever since. 
In XXXX, I received another letter from XXXX XXXX XXXX for {$6100.00} XXXX. I Sent letters defending my case. 
XXXX XXXX, I realized my wages were being garnished and the most recent amount of the judgement is {$8100.00} as of XXXX/XXXX/XXXX. I called XXXX XXXX Civil Court and the woman could not find my case # and told me my wages could not be garnished if I work out of state. (? ). I work in Incline Village, NV and the case was filed in CA. My ex boyfriend had all the paperwork and has been gone for 10 years, so we recently paid the XXXX Vermont Courts to send all documentation and are considering counsel. 
I was diagnosed with XXXX XXXX in XXXX and then to add salt to the wound, had an emergency appendectomy XXXX XXXX, followed by XXXX infections which caused me to be out of work for a month and 2 weeks in XXXX and XXXX. I have over {$40000.00} in medical bills and will continue to receive them well into XXXX. 
I do n't understand why XXXX XXXX XXXX wo n't settle. This has never been on my credit report which I find odd. 
Thank you so much for your time, Any and all help is greatly appreciated. 
Sincerely,

Company response to consumer: Closed with explanation