On June 21, 2016, the Bankruptcy Court issued Perry`s debt relief. According to the discharge settlement, “this injunction does not prevent debtors from voluntarily paying debts or settling confirmed debts in accordance with the confirmation agreement. 11 U.S.C No. 524 (c) (f). Compl. 23, ECF 1. 6. This was a very important part of our decision-making. We spoke directly to the toyota engine loan. And they confirmed that confirmation was our choice. If we decide, keep up to date with the payments then they won`t be his car back. In these policies and agreements on the financial services website (the “online guidelines and agreements”) are “you” and “your” every customer and all customers on an account as defined below and/or each user of the site, if any; “we,” “we” and “our” refers to Toyota Motor Credit Corporation (“TMCC”) and its representatives and service providers, if any; “website,” websites, mobile sites and mobile financial services applications operated by TMCC; and “financial services,” TMCC, TMCC brand names and licenses used to launch financial services products, Toyota Motor Insurance Services, Inc., Toyota Lease Trust or Toyota Credit of Puerto Rico Corp. and/or their respective subsidiaries and takers, depending on the identity of your creditor, lessor or product supplier. Perry`s claims against Toyota accuse him of violating FCRA 1681s-2 (b) (1) (1), which outlines the steps a decorator must take after receiving a consumer`s dispute by a rating agency.
In particular, Perry argues that Toyota did not investigate the information it disputed with the rating agencies and that it verified all relevant information provided by the rating agencies. Perry acknowledges Toyota`s assertion that, in order to make its claims, it must demonstrate that Toyota`s reports are inaccurate. First, he asserts that the report is imprecise because it indicates that his Toyota account is due and payable, with a outstanding balance and without reference to the account that was included in the bankruptcy, contrary to what he claimed the account was included in his bankruptcy relief. In its request for dismissal, Toyota would refute the fact that its reports were correct, and Perry`s assertions fail. Like Experian, Toyota argues that it specifically informed the rating agencies that Perry`s account was due and due because the lease was not included in the discharge of Perry`s bankruptcy. Alternatively, Toyota argues that the court does not have to deal with this issue, as this is a legal issue that Toyota does not have to resolve and therefore its reports have not been inaccurate. So we need to update this with the lawyer. Although I was surprised why our lawyer did not inform us. I read most of the anti-confirmation lawyers.