SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, D.C. 20549

FORM 8-K

CURRENT REPORT

PURSUANT TO SECTION 13 OR 15(d) of the

SECURITIES EXCHANGE ACT OF 1934

Date of Report (Date earliest event reported): August 5, 2004

WFS Receivables Corporation 3

(Exact name of registrant as specified in charter)


California (State or other jurisdiction of incorporation)		333-116198 (Commission file number)		94-3401639 (IRS employer identification no.)


444 East Warm Springs Road #116 Las Vegas, Nevada (Address of principal executive offices)		89119 (Zip code)

Registrant’s telephone number, including area code: (702) 407-4317

This filing relates to Registration Statement No. 333-116198

TABLE OF CONTENTS


	ITEM 5. OTHER EVENTS
	ITEM 7. FINANCIAL STATEMENTS, PRO FORMA FINANCIAL INFORMATION AND EXHIBITS
SIGNATURES
INDEX TO EXHIBITS
EXHIBIT 1.1
EXHIBIT 4.1
EXHIBIT 4.2
EXHIBIT 10.2
EXHIBIT 10.6

ITEM 5. OTHER EVENTS

In connection with the offering of WFS Financial 2004-3 Owner Trust Auto Receivable Backed Notes, attached are copies of the final Underwriting Agreement, Amended and Restated Trust Agreement, Indenture, Administration Agreement and the Sale and Servicing Agreement.

ITEM 7. FINANCIAL STATEMENTS, PRO FORMA FINANCIAL INFORMATION AND EXHIBITS


Exhibit 1.1		Underwriting Agreement dated as of July 29, 2004




Exhibit 4.1		Amended and Restated Trust Agreement dated as of August 5, 2004




Exhibit 4.2		Indenture dated as of August 1, 2004




Exhibit 10.2		Sale and Servicing Agreement dated as of August 1, 2004




Exhibit 10.6		Administration Agreement dated as of August 1, 2004

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.


		WFS RECEIVABLES CORPORATION 3




Date: August 13, 2004		/s/ MARK OLSON Mark Olson, Vice President

INDEX TO EXHIBITS


Exhibit No.	Description	Page

1.1	Underwriting Agreement dated as of July 29, 2004




4.1	Amended and Restated Trust Agreement dated as of August 5, 2004




4.2	Indenture dated as of August 1, 2004




10.2	Sale and Servicing Agreement dated as of August 1, 2004




10.6	Administration Agreement dated as of August 1, 2004

Table of Contents

Table of Contents

Table of Contents

WFS RECEIVABLES CORP 3 8-K