Average auto loan debt: $23,792. Auto loans are secured debt — the lender can repossess. However, deficiency balances after repossession can be disputed, especially if the sale wasn't commercially reasonable.
Common Harris & Harris Violations
Threatening arrest or criminal prosecution for civil debt
Adding unauthorized collection fees
Failing to provide proper mini-Miranda warning
Auto Loan Debt Dispute Strategies
1
Challenge deficiency balance after repossession
2
Verify the sale was commercially reasonable (UCC requirement)
3
Dispute if proper repossession notice wasn't given
4
Check for state-specific redemption rights
5
Validate any collection attempts under FDCPA
Tips Against Harris & Harris
Harris & Harris collects government and municipal debts — verify with the issuing agency
Parking tickets and municipal fines have specific appeal processes
No collector can threaten arrest for consumer debt — report this immediately