Unifin Inc is collecting auto loan debt in South Dakota where the statute of limitations is 6 years. Average auto loan debt: $23,792. Garnishment limit: 20% of disposable earnings.
6 years
Statute of Limitations
$23,792
Average Auto Loan Debt
20% of disposable ea
Garnishment Limit
Known Unifin Inc Violations
Misrepresenting legal status of debt
Failing to cease collection upon written request
Inaccurate credit reporting
Dispute Strategies
Challenge deficiency balance after repossession
Verify the sale was commercially reasonable (UCC requirement)
Dispute if proper repossession notice wasn't given
Check for state-specific redemption rights
Validate any collection attempts under FDCPA
South Dakota Protections
No specific state act — FDCPA applies. File complaints with: AG Consumer Protection.