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

~~SECURITIES~~Date ~~EXCHANGE~~of ~~ACT~~Report OF(Date ~~1934~~earliest event reported): October 21, 2004

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

WFS Receivables Corporation 3

~~California~~ (~~State~~Exact orname ~~other jurisdiction~~ of ~~incorporation)~~registrant ~~333-116198~~as ~~(Commission~~specified ~~file~~in ~~number~~charter) ~~94-3401639 (IRS employer identification no.)~~

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


California	333-116198	94-3401639

(State or other jurisdiction of incorporation)	(Commission file number)	(IRS employer identification no.)


444 East Warm Spring Road #116, Las Vegas, Nevada				89119

(Address of principal executive offices)				(Zip code)

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

This filing relates to Registration Statement No. 333-116198

Check the appropriate box below if the Form 8-K is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

			o Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

			o Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

			o Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

			o Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

TABLE OF CONTENTS

	ITEM 5. OTHER EVENTS
	ITEM 8.01. OTHER EVENTS
	ITEM 7. FINANCIAL STATEMENTS, PRO FORMA FINANCIAL INFORMATION AND EXHIBITS
	ITEM 9.01. FINANCIAL STATEMENTS, PRO FORMA FINANCIAL INFORMATION AND EXHIBITS
SIGNATURES
INDEX TO EXHIBITS
EXHIBIT 1.1
Exhibit 25.1
EXHIBIT 4.1
EXHIBIT 4.2
EXHIBIT 10.2
EXHIBIT 10.6

ITEMTable 5.of OTHER EVENTS Contents

InITEM ~~connection~~8.01. ~~with the~~OTHER ~~offering of WFS Financial 2004-3 Owner Trust Auto~~EVENTS ~~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~~ In 7.connection ~~FINANCIAL~~with the ~~STATEMENTS~~proposed offering of WFS Financial 2004-4 Owner Trust Auto Receivable Backed Notes, ~~PRO~~Class A-1, ~~FORMA~~Class A-2, Class A-3, ~~FINANCIAL~~Class A-4, ~~INFORMATION~~Class B, ~~AND~~Class C ~~EXHIBITS~~and Class D, are forms or copies of certain exhibits.

ITEM 9.01. 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


	Exhibit 25.1		Statement of Eligibility of Indenture Trustee

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


		WFS RECEIVABLES CORPORATION 3

Date: October 25, 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
25.1	Statement of Eligibility of Indenture Trustee
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

ITEMTable 5.of OTHER EVENTS Contents

Table of Contents

Table of Contents

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