I purchased a car that was worth $7000 of the lot. I put down 30% of the value on the car and was still forced to use this company as a middle man because I had no credit. I took it all in stride as a no-frills way to build my credit. How wrong I was? I was hit with a interest of 21% for a older vehicle. The car had no way of being refinanced because of the age and credit acceptance wasn't willing to restructure my contract to make the payments more manageable. I couldn't sell it privately because of the high payments and if I turned it back in, I would lose everything I put into it plus I wouldn't get anything significant for it. I was driven crazy with the harassing phone calls (over 50 times a month) and the constant threats of repossession and litigation. The car was ended up being repossessed in January. I was constantly misled and lied to by their agents on how to get the car back and where the car was. I paid over $500 dollars to have my car released in March. When I had arrived to pick up the car, all my personal effects of value were gone and there was damage all over the body and my passenger side mirror was hanging off. Now they are trying to accuse me of damaging my own vehicle and are basically absolving themselves from any responsibility. They talk to you like you are a child and insult your intelligence when you call them out for being a predatory lending agency that preys on the poor and the desperate. Needless to say, I didn't take the car and am currently in talks with a lawyer. They know what they're doing is illegal. Litigation and tort is the only words they understand. If everyone pursues litigation against them, they will be out of business.