Consumer complaint received 2020-04-12
Company: Westlake Services, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Governor XXXX has declared a state of disaster in all 254 counties in the State of Texas in response to the imminent threat of the COVID-19 pandemic. This order is issued pursuant to Section 22.0035 ( b ) of the Texas Government Code.

2. This Order supplements and does not replace or amend the earlier Emergency Orders Regarding the COVID-19 State of Disaster.

3. In any action to collect consumer debt as defined by Texas Finance Code Section 392.001 ( 2 ) : a. A writ of garnishment under Rule 658 of the Texas Rules of Civil Procedure may issue, but service of the writ of garnishment may not occur until after  XX/XX/2020 ; b. Receivers appointed under Chapter 31 of the Texas Civil Practice & Remedies Code may remain active but must not freeze any accounts at financial institutions as defined by Texas Finance Code Section 59.001 ( 5 ) while this Order remains in effect ; c. For any accounts that are currently garnished, the parties are strongly encouraged to reach an agreement on the garnishment, and courts are encouraged to aid and facilitate a quick adjudication ; d. A request for default judgment may be filed, but no hearings shall be set and the time to respond or file an answer will be tolled until XX/XX/2020; and e. No court shall dismiss a case for want of prosecution while this Order remains in effect.

4. A case covered by Paragraph 3 may nevertheless proceed if, but only if, the court determines that the facts and grounds show that the actions of the judgment defendant pose an imminent threat of fraudulently concealing or absconding with funds. 
5. This Order is effective immediately and expires XX/XX/2020except for paragraph 3 ( a ), which expires on XX/XX/2020unless extended by the Chief Justice of the Supreme Court.

Westlake Financial services are ignoring the recent declaration of emergency for the the state of Texas. I have been laid off from my XXXX XXXX at XXXX XXXX XXXX and now I am now unable to sustain my obligations at this time to pay dues. They fail to hear my cry for help and have not only threaten me and garnishing my car but also submitted a remark on my credit report. I am a mother of XXXX  and unfortunately forced to be the Sole proprietor for my XXXX  children due to fathers death I can barley put food on the table during these times. With the unemployment service being occupied due to many others loosing their jobs I am not able to obtain financial help at this time. I have yet to receive my tax return and the irs is closed for live phone call request. Now Im overly stressed because of this situation on top of what I have been facing these past days. I have not been able to sleep and focus on helping my children in complying with their education needs due to them transitioning into vertical classroom due to the Covid-19. This is truly heart breaking and it literally leaves me in an unhealthy state of mind. All I ask is for a little help but it hopeless

Company response to consumer: Closed with explanation