Recently my spouse hit a deer with our van. The van was totaled. The insurance paid its part; gap insurance paid its part, but now they claim there is still money owed. They really don't want to talk to us but have threatened to charge off since there is no longer any collateral. I would like to know if they can do this and what damage it does to me? Based on the initial information they gave us, which was that between the insurance and gap insurance everything would be paid off, when this first occurred, we went out and bought another vehicle...so it would be stretching us to try to make another car payment.
