No More Auto Loan for Kentucky Man

Rocky Cisney has never owned the 1992 Ford that the auto loan people have been trying to get him to pay for. Yet, they have taken him to court to get him to settle up with them, as they say he is responsible for the auto loan that has not been paid on. Understandably, Cisney is more than a little upset with the whole process.

However, his woes have finally come to an end as a Jefferson County judge has ruled in his favor that he does not owe the auto loan and is therefore clear of the debt. Cisney said that he has been saying all along that it was not his auto loan debt to pay back, but that the lender has been trying to get him to be responsible for it.

Cisney had a former employee that had stopped making payments on the truck, and the auto loan company had attempted to garnish her wages. However, since she no longer worked for the company, there were no wages to garnish. The employee still owed $9,000 on the auto loan when she stopped paying.

Cisney got a letter from the auto loan company saying that he needed to garnish her wages but ignored it because she didn’t work there. The auto loan company then said that Cisney owed them the money plus the interest rate of 26%, which meant he owed $60,000 to the auto loan company even though he had never owned the car. The court ruled that the auto loan company took too long in attempting to get the money and therefore Cisney was not responsible.

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