Will the "nutcase" letter be appropriate for a paid reposession? What would be the best plan of action in this case? The loan was a joint and I cut a deal 21/2 years ago to pay half (my portion I suppose) of the remaining balance. Also, I am thinking about suing because I feel like I made the payment under duress. I was living in Maryland at the time and the collector kept calling and harrasing my mother in New York about this debt. I paid mostly to get them off her back. But they said the account would be posted "paid as agreed". I was an idiot for not getting it in writing but I was desperate for them to leave my mother alone. Now the tradeline reads settled for less than full balance. And the collector is not the one reporting it DaimlerChrysler is so I think I will be targeting them. Please Advise.
