Consumer complaint received 2024-07-13
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was damaged or destroyed the vehicle — 
Company: North Georgia Loans, Inc. (GA)

I filed a previous complaint on XX/XX/XXXX on this same company, North Georgia Loans. I, at no time, ever denied being late with some of my scheduled payments. But, at the time of the previous complaint, I was current with my payments. The continued harassment and threats would not stop. The harassment was to the point of physically making me sick, so at that time, I felt my only option was to file a XXXX  XXXX bankruptcy. I have health issues that were severely aggravated by the constant stress, therefore I wasn't able to work. I filed XXXX  XXXX bankruptcy on XX/XX/XXXX, in which a bankruptcy code was generated. As per Georgia XXXX  XXXX bankruptcy, North Georgia Loans was notified immediately by my attorney XXXX and Washington. They were emailed a copy of the bankruptcy code and intent. I was granted my XXXX  XXXX bankruptcy relief shortly thereafter. I attempted to go back to work in XXXX, to try and regain some sense of a normal life. I worked a few days a week till about XXXX and could not continue due to illness progression. My boyfriend took over my XXXX  XXXX payments at that time. Due to being in the construction industry and XXXX holidays in a row, work slowed considerably. One of my XXXX XXXX payments was made but didn't show on the trustee 's account. Therefore, there was a motion filed for dismissal of my bankruptcy and North Georgia Loans repossessed my vehicle. When my truck was repossessed the 4 wheel drive was engaged in order to get it out of our yard due to rough terrain. I was unaware my case had been dismissed, so I immediately contacted my attorney. A week later my case was amended, and I got my vehicle back. When we arrived at the office to get my truck, I was told that they had to go and get it. When the truck pulled in their parking lot, the owner got out of the truck and I got in the drivers seat and proceeded to back the truck out of the parking space. I quickly noticed that the truck was struggling to go in reverse. I then realized the 4 wheel drive had not been disengaged. I disengaged the 4 wheel drive and proceeded to drive home. Its approximately a XXXX XXXX XXXX from my home to their office. The truck, since then has had some severe mechanical issues, because it was driven in 4 wheel drive from my home XXXX miles to their storage facility, and from the storage facility to their office the day I picked my truck up. Since then, bringing me to the current situation. In the past month and a half, my boyfriend and I have witnessed, on 3 separate occasions, someone in and around our property at late hours, shining spotlights on my truck and I have been followed on 2 occasions late at night by the same vehicle that was seen shining spotlights on my truck. I made my attorney aware that attempts were being made to steal my truck. My attorney contacted North Georgia Loans about this matter. They denied any repossession attempts. The current issue as of XXXX XXXX, XXXX XXXX XXXX for Default Hearing, scheduled for XX/XX/XXXX @ XXXX XXXX  at the Magistrate Court of XXXX XXXX, Georgia. I informed my attorney about the order I received, along with a copy of the document. I spoke with the XXXX XXXX  trustee, as well as my attorney, and it was confirmed by both parties that I am current on my payments, I also have the required, current auto insurance, that's been maintained without a lapse in coverage. My attorney emailed North Georgia Loans a copy of, Notice of Bankruptcy Case Filing, in which, they were informed of my bankruptcy on XX/XX/XXXX, and my amendment that reopened my case after dismissal on XX/XX/XXXX. I feel as though, because of the long history of harassment and the fact I reported attempts to take my vehicle illegally, the harassment is going to start all over again. I feel as though there are possibly employees there that have personal issues with me to the point, they are in clear violation of the bankruptcy code and the law. I have also reported the issue with XXXX XXXX XXXX XXXX as well.