Ask a Lawyer

J.F. of Williston asks:
“I bought a new car five years ago. I made every payment on time except for twice, when I was unable to pay.  Once was the month after I lost a job and the other time was when I was sick and unable to work for several weeks and didn’t get paid. On both occasions, I was told I could “defer” those payments until the end of the loan for a small fee.
Now, after making what I thought was the final payment, they say I owe another $1,500 because the interest rate went up and other charges accrued when I deferred those two payments. I’ve read the contract and I don’t see anyplace where it says anything about an increased interest rate and the rest. Can they do that? I’m thinking about not paying the money they are demanding from me and just let them sue me. What do you suggest I do?

Dear J.F.:

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