Well I took out a title loan on my car back in May of 2009 due to my wife having difficulty finding a job for 4 months and being behind on the rent. I joined the Army in November of that year and couple of months ago notified Allied, through certified letter, of my invocation of the Sailors and Soldiers Civil Relief Act. It is now September and I am in Iraq. My wife just informed me that they are threatening to repossess my vehicle if the full amount of the loan is not paid off, plus 180% interest. The SSCRA states that the interest rate must be adjusted to no more than 6% and any interest and/or late fees as of the date of my enlistment must be forgiven and/or refunded. It also states that the means in which I can be penalized are VERY limited, including that the vehicle can not be repoed due to my obvious inability to appear in court . They are now passively refusing to comply with the SSCRA and federal law. This is definitely putting undo stress on myself and my wife who is now the sole care-taker of our 2 year-old son and newborn baby girl due to my deployment. The manager at the office, a woman named Jessica, has stated several times that she cannot put us in contact with their legal dept. or home office... I'm really not sure what to do about all of this. It's REALLY beginning to stress my wife out...