I financed a car XX/XX/XXXX from XXXX XXXX XXXX, a sub-prime lender. We financed about $ XXXX at a very high interest rate ( 16 % ). We paid on the car until we only owed {$1700.00} in principal. Then my wife had to stop working because she had a baby. We asked for the company to work with us and wait 2 months for payment because we were so close to being finished paying, but they would not and they repossessed the vehicle in XX/XX/XXXX or XX/XX/XXXX ( I can not remember exactly but it was right around XX/XX/XXXX ). They charged off the remaining {$1700.00} In XXXX XXXX. Now, they are reporting new late payments in XX/XX/XXXX and XX/XX/XXXX which is hurting my credit and is not allowed on charged off debts. 
