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How Can I Pay My Delinquent Wells Fargo Car Loan When They Won’t Reply?

Written by Steve Rhode


Dear Steve,

I have a 2008 Chevy Malibu that I defaulted on the loan to Wells Fargo in 2015 when my work fell way off. I tried to negotiate reinstatement but they ignored both my calls and letters. I even had an attorney write them and got no response. I have kept the car in my garage and have not driven it since March 2016 due to my fear of it being repossessed while I was out. I got a small inheritance and now just want to pay off the car so it will not be repossessed. But Wells Fargo will not reply.

How do I negotiate an agreement with the bank to pay off the car? I am sure the fees are adding up. I think I owe about $12,000 in the contract but am not sure. It seems to me that it would be a win-win for both of us and it would save us both time and money. Thank you



Dear Jon,

Now that’s an interesting situation.

If you’ve got enough money to pay off the balance of the car then why don’t you consider suing them in small claims court. They’d have to respond to that.

I think you followed a reasonable course of events and hopefully you will have the proof Wells Fargo received your letter and that of the attorney. It would greatly help your case and give you some solid documentation and proof to include in your lawsuit against Wells Fargo.

Of course it might be prudent for you to go back to the attorney who helped you before and see if they can assist you or represent you in the small claims suit against Wells Fargo. Having an attorney on your side is generally a smart thing to do.

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About the author

Steve Rhode

Steve Rhode is the Get Out of Debt Guy and has been helping good people with bad debt problems since 1994. You can learn more about Steve, here.

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