Under Illinois law, because you have paid at least 30% of the deferred payment price before repossession, you may be able to get this vehicle back. You have the right to recover the vehicle if you do the following within 21 days of the date of repossession:

1. Make payment of all back payments due as of the date of this invoice.......$1,202.64 (I am only behind 879.11...the difference is 323.53 which is my next monthly payment.)

2. Pay any late charges due....$640.26

3. Pay the costs of reposession....$300.00

Total due as of the date of this notice plus any additional amounts which may become due between the date of the notice and the date of reinstatement.....amount due now $2,142.90

Bring cash, certified check or a money order for the total amount plus any additional amounts which may become due between the date of this notice and the date of the reinstatement to our office located at: Onyx....Foothill Ranch, CA....by August 19, 2003 to get your vehicle back.

They also enclosed an affidavit of defense to the creditor....what is this?

>This is a violation of the IL MVRISA. It must be within 3 days

What can I do about this?

Thanks so much for the information.

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