​​

​

​

​

​​

​​

​

​

Click here to learn more about Auto Loan Audits 

Ask for Shawn if you get your car loan audit done from that site.

 

Here's the basic steps for this process.  I am almost done with this process for my sister's car:

​

1. Get a forensic audit for your car loan - usually around $750-$1200. I will send you the contact for the company I use.

​

2. The audit should show the same thing that all loans show: the bank on the contract no longer owns the debt.  They have no chain of possession. Whomever they sold the debt to never recorded the assignment as required. Most likely it was sold to a Trust and was bundled in a bond, now being traded on the stock market. Bottom line: if they have no rights to the car, they must be removed as lienholder on your title. They have no legal right to collect that debt from you.

​​

3. The fee for my services is $1500, which involves sending letters to your bank notifying them that you are disputing the debt and would like them to the validate the debt (meaning provide evidence to you that they own it.)  They are required to respond directly to this request.  I have all of the codes and regulations for this that you will see once the process begins. Then I follow up with more certified letters written by me regarding ceasing all collection or repossession efforts. Email me at Support@TheMatrixExposed.com if you want me to do it.  I take payments but I don't start until it's all paid. 

 

Unlike the mortgage process, which involves the county clerk, the car loan involves clearing your title of the lienholder. This is called re-titling your car.  This is different for each state but most likely the process is filing with the county court and copying the DMV Special Title Department and the Attorney General for an Order to Show Cause.  This means we are demanding the DMV remove the bank as the lienholder unless the bank can "show cause" not to do so.  The court filing would include the Complaint (that I write for you), the forensic audit, the affidavit of the audit expert, and the letters showing the bank has not responded proving they own the debt. The bank may get their lawyer to show up for the hearing, but it is highly unlikely they will. If they do show up, you have all the documentation right there to prove they don't own it. You will have to represent yourself, but I will coach you on everything.  Again, the likelihood the bank's lawyer will show up is less than 1%.  The whole process could take 60-90 days.

​

Yes, this jurisdiction involves a statutory court because you have to play on their field to get your car out of it and into the private.

​

There may be another way to do this without the court, but this is the process I am using right now.  If you know another way, please share.  

​

I own my car, but my sister has a $21K auto loan with $430 monthly payments. Ally Bank did other things with her account that were shady, but those details aren't relevant here.  Her forensic audit showed the same thing it will show for yours -- the bank sold the debt. They have no legal right to collect payments.  I did this process for her to figure out how to do this correctly and legally so I could share it with you.  My experience with this process is that auto loan banks simply pretend you're not there when you prove that they sold your debt and have no rights to your car. They either don't respond, or they respond with nonsensical letters that have nothing to do with anything you said. What they do not want is a public court scene where they have to admit they don't own the debt.  The dominoes would begin to fall.  They would be exposed.  

​

***As of 1.1.2024, my sister has not had her court hearing for the Order to Show Cause. She stopped making payments and I filed the civil suit to remove them as lienholder, and they repossessed her car in the middle of the night.  Through that, I learned what to do to prevent the repossession from happening to the next person.  I was able to get her car back with an emergency court hearing (called an Emergency Injunction). Here is that court order:

​

​

​

​

​

​

​

​

​

​

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

The judge said he had never seen anything like it, and that on the merits (meaning my documents filed with the Complaint) it was proof Ally illegally repossessed her car.  This is the same judge for the Order to Show Cause hearing coming up, and I am confident the same outcome will happen - Ally will be removed as a lienholder from her car and she will own her car outright. Why am I so confident? Because the forensic audit shows Ally does not own her car.  The judge already signed an order to release it back to her after they repossessed it.  Ally did not show up for that emergency Zoom hearing, and they don't respond to any letters. I'm confident they won't show up to this next hearing either. So in full disclosure, I have not officially won the case...YET.  I will let you know when I do ;).​

​​

If you stop making payments, which I completely understand why you would do so once you get the audit back, the bank will try to repossess your car, no doubt about it. I have many steps and solutions you can take to prevent this. It will all be covered before the process begins once we connect through email.  However, I must charge an extra service fee if they do end up repossessing your car -- you can get it back, but it takes emergency effort on my part and is additional work. 

​

You can do this on your own by following the steps above and figuring it out like I did. Or, if you have the means and don't have the time or energy, click here to hire me. 

​

 ​​​​​​​

​​