Can a car be repossessed for late fees we have never been late on the payment but got late fees?

Cars & Vehicles

If your payments are current, they're not coming to repossess your car. Trust me, the finance company would much rather have your money than your collateral (i.e., the car).

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If you have been late on payments several times but never sixty days past due can car be repossessed?

You would have to read the contract to see if someone can "legally" repossess it. But ultimately, there is someone, somewhere who makes a decision. This person can continuously let is slide, or they can just get fed up one day and take, or have someone take your car. They also know that if you ca...

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Can a car be repossessed for late fees only?

Once you are late by a single day you are in violation of your loan agreement which means you can be repoed.Until you bring your loan completely current....late fees and all you are in danger of being repoed.Read your loan agreement.

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Can your car be repossessed for late payments?

Yes, you can get your car back after it's been repossessed, but typically only for a period of 30 days.During that time, your car will sit in the impound lot, giving you enough time to make the loan “whole” (pay any missed payments in addition to repossession fees).

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Can a lender in Calif charge a fee to cancel a car repossesion which never was repossessed due to a payment received 3 days late?

No this is a bogus fee.Don't pay it ask for a reciept for what they are trying to charge you for.

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How late can my car payment be before repossession?

Myth #1 – Car finance companies have to wait until you are at least 3 months behind on your payments before they can repossess your car.Truth – Car finance companies have the legal right to repossess your vehicle even if you are just one day late paying your bill.

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How late does your payment have to be before your car can be repossessed in Florida?

Its NOT a matter of HOW late, just that you ARE late. Read your contract. That should explain when you are in DEFAULT.

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What are your options if your car was repossessed by your cosigner even though you have never been late on your payments?

Were you in DEFAULT of any other part of the loan contract?? INS?? Illegal activity?? ect??? If not, you have equal rights to the car. You can repo it back, let them keep it(probably best) OR call a local attorney for state specific laws.

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How many days can you be late on car payments before repossession?

take a look at your contract, I've heard you can only be 1 day late. Also keep in mind that you can only be late 2 times or they come and get your car.If You're Behind On Your Car Payment, Facing Auto Repossession "Repo", Trying To Sell Your Car, No Title... CAR DEBT SOLUTIONS WILL BUY YOUR CAR T...

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Can a car be repossessed when all payments have been made?

Yes, if there is a breach of the lending contract, such as non payment of late fees or penalties, lapsed insurance coverage and so forth.

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How long can you be late on a car payment?

How many days late can you be on a car payment, before the lender notifies a credit bureau? Typically, the grace period on auto loans is 10 days, but this depends on the lender and the answer should be listed under the terms and conditions of your loan.

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Can you be late on a car payment?

When is a Car Payment Considered Late? Once you miss the due date on your payment, it's officially considered late.Following the missed payment, the creditor can assess a late fee.According to the Credit Reporting Resource Guide, your creditor can't report any late car payments until it hits 30 d...

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Can your car be repossessed if the payment is two weeks late?

READ your contract. If you are in DEFAULT of the terms, you can get repoed.

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If a car is in your name as the primary but your cosigner has been making payment for the last year and many of those payments have been paid late can you legally take that car from the cosigner?

Since the cosigners isn't paying, unless you start paying instead, and catch up on all late payments, the dealer or the bank will repossess the vehicle shortly anyway, so your question is moot.

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Can you be threatened with repossession for having been arrested?

You being arrested has no bearing on your loan. As long as you make the payments on time there will be no repossession. The loan company does not care if you are in jail as long as they get their money.

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Is it legal without notice to repossess a vehicle in Indiana for being 12 days late on one payment?

Depends entirely on what the contract you signed says. If you are 1 day late they may be able to repossess the vehicle if that is what the contract says and what your state laws are regarding repossessions. Read your contract.

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Can my car be repossessed for missing one payment?

If you've missed a payment on your car loan, don't panic — but do act fast.Two or three consecutive missed payments can lead to repossession, which damages your credit score.And some lenders have adopted technology to remotely disable cars after even one missed payment.Know what you owe and how m...

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Can your car get repossessed if you are 1 day late on payment?

Answer No, i am 2 1/2 months behind and they still havent picked it up. Im struggling to pay it before they have to repo the vehicle but if you are one day late you are fine just dont be late for too long or you are in a situation like me.**Edit****This is not true. The bank is giving more lead w...

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Can a car only get repossessed after a payment is 90 days late?

A car can be repossessed after one late payment, that is considered default on the aggreement. If a person is still driving after 90 days late, they need to thank God.As a teen, I once had a car that I was paying about 220 a month for. 7 payments before it was paid off, I quit my job and went bac...

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How late on payments do you have to be before your car can be repoed in Arizona?

Depends on your finance agreement. Most say that after you miss a payment it can be repo'd. There really is no state mandated time limit before repossession can occur. Best thing to do is make your payments and that way you don't have to worry about it.

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If late payment was to be paid today but wasnt can they reposses today?

if payment due today can it be repossed today

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If you've been late 8 weekly payments can the dealership report the car as stolen?

IF you are the REGISTERED OWNWER, NO. You cant steal your own car. They can REPO it.

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We haven't taken it off yet because we haven't got around to it but I never considered the track being non flexible.?

7 Years is a long time. Maybe the track isn't flexable where it was streched over the rollers. Are there teeth inside the track ? Can you remove the track for an inspection?

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How many times can you be late for a car payment before it is reposessed?

Answering "How many times can you be late for a car payment before it is reposessed?"by law they can repossess your car when your 1 day late- there is no law against that! However, your best option, would be to contact CAR HELP USA. They stop repossession, get your payments up to date, lower inte...

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If you always make your payments but are usually late each month will they repo your car because of your history even if payments have been made?

No as long as you are making payments every month. Most lenders won't reposess a car until you are at least 90 days late. The truth is lenders do not want the car back. Make sure and contact the lender and explaine your situation and they may even work with you to help you get cought up.

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How late can your car payment be before they repo?

How long can you be late on a car payment? A payment that is between 10 and 30 days late is considered a “late payment” for most lenders.After 30 days, your payment is considered a “missed payment”, and your loan may go into default.

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How many days late can you be on a car payment?

How many days late can you be on a car payment, before the lender notifies a credit bureau? Typically, the grace period on auto loans is 10 days, but this depends on the lender and the answer should be listed under the terms and conditions of your loan.

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How late can you be on a car payment before repo?

In general, you can expect car repossession to occur if you miss three or more payments in a row on your auto loan.One missed payment can result in repossession, but it's less common.A “missed payment” is considered a payment that is more than 30 days late.

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How many days can you be late on a car payment?

So if your payment is sent three days late (or is not above the minimum payment), you could be charged a late fee.Most credit card payments are due within a minimum of 21 days after the billing cycle, but remember, the grace period is only 30 days so you'll want to pay them off as soon as possible.

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How many times can you be late on payments before the car is repossed in Maryland?

ANY LENDER, by law, can reposses your car if your 1 day past due! There is no stopping them. You need to act fast before it is too late.

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How late can you be on a car payment before it affects your credit?

According to the Credit Reporting Resource Guide, your creditor can't report any late car payments until it hits 30 days past due.If they do, it's breaking the law.You could think of the late fee as a “grace period” before it begins to hurt your credit score.

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If your car payment was 22 days late and when you made your payment the car was repossessed on the spot is there anything you can do?

It looks borderline MEAN, but if you were late, you were in DEFAULT and the lender has the right to repo when you're in default. Some lenders (BHPH lots) are MORE aggressive in their repo policies that others.

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Can your car be taken for late payments if you become disabled?

Yes, it is not the banks fault you are disabled. You can conntact you loan company and they may be willing to work with you. But they are not required to change the terms of the loan.

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How many days late can you be before your car can be repossessed?

It depends on where you are. Some states require that a default notice must be sent, and the borrower must be given at least 11 days to "make good' on the payment. Others don't require any notice at all, and theoretically a lienholder could repossess the vehicle the day after the payment was due....

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How many days late can you be before a company can repossess a car in NJ?

The lender CAN repo when you are 1 (one) day late.

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Is family liable for payment on a repossessed car?

Whoever's name is signed on the loan paperwork is the one liable.

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In California can a vehicle be repossessed if you only have 2 to 3 payments left on the loan?

Until you pay it off, yes. It is not yours until it is paid in full and the Lein Holder's name is off the title.

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Can my car be repossessed if I make partial payments?

Of course your car can be repossessed if you pay less than you owe.Partial payments may extend how long the creditor will wait before sending out the tow trucks, but in the end if you don't actually pay what you owe you cannot keep the vehicle

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Can you buy another car down the road if you have been making payments on a truck you never use and you can't afford the payments anymore if you repo the truck?

YES, you can. It may be harder to get financed (bigger DP and/or higher interest rate) but you can. You WILL have to pay the balance due on the truck so seriously consider SELLING it. You may have to put money with the selling price to get the loan cleared but it will be MUCH cheaper that way.

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Can my car be repossessed after missing one payment?

If you've missed a payment on your car loan, don't panic — but do act fast.Two or three consecutive missed payments can lead to repossession, which damages your credit score.And some lenders have adopted technology to remotely disable cars after even one missed payment.

Read more

Can your car be repossessed if you are making payments?

Truth – Car finance companies have the legal right to repossess your vehicle even if you are just one day late paying your bill.While it is unlikely that a lender will send out the repo man just because you are a few days late, the important thing is that they are not obligated legally to give yo...

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Can your car be repossessed if you miss one payment?

In general, you can expect car repossession to occur if you miss three or more payments in a row on your auto loan.A “missed payment” is considered a payment that is more than 30 days late.Each state has its own repossession laws, which may affect how many payments you can miss before car repo ta...

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If you paid the fees and got your car back from repo but what if you miss another payment with the bank?

It gets repossessed again.

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How late can a car payment be before it affects your credit?

According to the Credit Reporting Resource Guide, your creditor can't report any late car payments until it hits 30 days past due.If they do, it's breaking the law.You could think of the late fee as a “grace period” before it begins to hurt your credit score.

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My boyfriend bought a new truck but kept his old truck and gave it his sister to keep up payments shes been late on the payment ever since to make matters worst her sons totaled the truck what can he?

If your boyfriend is listed as the registered owner and the loan is in his name then it is his responsibility to deal with the payments, insurance ect. I would hope since it is a financed vehicle that you have full coverage which should help in this situation. Unless he has something in writing f...

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How many days late can a car payment be before repo?

One missed payment can result in repossession, but it's less common.A “missed payment” is considered a payment that is more than 30 days late.Each state has its own repossession laws, which may affect how many payments you can miss before car repo takes place.You can find your state's repossessio...

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Can the dealer repo your car if your 6days late on a payment?

I suppose in theory they could depending on what the loan terms are, but I would say it would have to be a pretty unethical establishment to do that. Typically it's two missed payments. Get that payment in on time!

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Can your car be repossessed for 'non-payment' if your first payment has not yet come due?

Suzette, what are the details on your purchase? Such as what state? One reason for repo before ist payment due is a person didnt qualify for the financing deal offered. Maybe a small detail got left out. Or a large detail. Its obvious that dealers WANT to move cars. So they will do a LOT to make ...

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Your car was repossessed when it was two days late Is this legal The dealer is trying to say you owe a late payment charge from the month before and this is the reason for the repossession?

Well??? DO you owe a late charge from the month before? IF NOT, call a local attorney ASAP for state/case specific advice. Very Simple. Tote-a-note car dealers make GOOD money by repoing cars ASAP when late.

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Can a car be tracked for repossession?

If the borrower isn't at his last known address, they'll use "skip tracing" to find a car owner who's in default.This involves using online databases to find evasive debtors.Once the repo man locates a car, he will wait until it is left unattended and use a tow truck to repossess it.

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What happens if you are late on a car payment?

Most lenders won't report a late payment to the credit bureaus until it has gone 30 days past due.That isn't to say you won't be charged a late fee, but your credit rating should not suffer as a result.When a payment on a loan is missed, the next payment received will be applied to the oldest amo...

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Don't you have to be delinquent by a certain amount on car payments before your car can be repossessed and what rights do you have to prevent a repossession?

If you have made no effort to contact any institution you owe money to and you have been missing payments several times, yes, they can repossess your car. That's why we sign contracts. I would meet with the Manager of the company and try to come to some agreement and then stick to your promise. M...

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What can you do if you have had your car repossessed before and you are currently paid up on your payments but one of the checks bounced?

Sit back and wait for NOI letter (Notice of Intent). * The majority of states do not require notice before a vehicle is repossessed. Contact the lender and explain the situation. And hope for a positive outcome.

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What can you do if your car was repossessed but you were not behind in payments?

IF you had ins. coverage and were not in DEFAULT of the loan in any way, CALL AN ATTORNEY NOW ! ! !Are you sure the vehicle wasn't actually stolen? Usually the only two reasons for legal repossession are being in default on your payment or not keeping the required minimum insurance on the vehicle...

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Can a co-signer have a car legally repossessed because of non-payments?

NO, that is the job of the leinholder. YOU dont want the responsibility of repoing it either. IF you are listed on the TITLE as co-owner, you can go get your car. Otherwise, sit back and enjoy the fruits of co-signing.

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Can a car be repossessed if you are two payments behind?

Legally if you miss 1 payment you are delinquent and they can start repossession proceedings on their vehicle.

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Can my car be repossessed if I have the title?

Yes.The bank may repossess the car even if you have the title.If you used the car as collateral on a loan and then default on the loan, as long as the bank follows the proper methods of repossession, the bank may take the car.

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If you have paid a payment and the finance company accepted it but still sent the repo man for your car can you get your last payment back?

NO, you owed it, you sent it in and its gone now. sorri

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Can a car be repossessed after been paid off under chapter 7 bankruptcy?

Yes, and no. It depends on if your creditors responded to the notification AND showed up in court for the bankruptcy hearing. IF they did file the correct paperwork, then YES the lending company can repossess the car. IF the lending company DID NOT file a letter of interest/intent AND you listed ...

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You were two months late on your car payement but your car got stolen the car is total so the insrances dont want to pay the car off?

to start off with, you should go back to school and learn to spell. My answer is ummmmm.... that's nice. But what exactly is the question?? I belive this is your falt considering you didnt pay the loan in the first place.

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Can I have sum 1 take over the payments on my car and not be liable?

I don't think you can the car is still in your name ,and anything that happens to it will always come back to you.

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Can you sue a bus company for being late?

Suing a bus company is similar to suing another entity.The plaintiff must have a legal right to sue the bus company.If the bus driver's actions cause you harm, you can sue the company in the proper court.Deliver a copy of the complaint to an agent of the bus company.

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If you leased a new truck 3 months ago and now realize you can no longer make the payments but haven't been late yet should you go out and finance a cheap car before turning it as a voluntary repo?

Yes because the turn in on the lease will damage your credit and affect the loan rate on your car loan

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Can the seller legally repossess the car if the agreed amount has been paid but the title has not been transferred due to the seller's negligence?

Sounds like you need to call a local attorney for state specific advice. You are into an area that will require a judgment/judge and that's NOT me. Good LuckI just posted this question, here is the entire situation. I live in PA, paid the seller (a friend) the agreed upon amount of $2300.00 over ...

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In general how many months can a person fall behind in car payments before the car will be repossessed?

Typically a person is given three months or approximately 90 days to miss car payments before a car is subject to repossession. Usually the bank or credit union that issued the loan will call to try and arrange payments with the car owner.

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If your car has been totaled but you bought it back and had it repaired is it true that it can never be totaled again?

It can be totaled again but payout will be much less, typically 50% of the value of a comparabe clean-titled car plus credit for any upgrades you've done and can prove with receipts (keyless entry, new brakes, new alternator). It's subjective so make sure you know the value of your car with a cle...

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What recourse does a used car dealership have if they need to repossess a vehicle in Texas for non payment but cannot locate it?

A dealership willnot need to repossess a vehicle in any state unless it is a buy here pay here type dealership. If this is the case, the dealer should contact a local, private repossession company. Find one of the larger possible companies, this will offer more resources. Then leave it to them. I...

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Can your car be repossessed if your payment is less than 30 days delinquent?

Maybe. Once a contract is in default, meaning a payment is late regardless of whether it is a day or a month (unless there is a grace period) the lender may take whatever action deemed necessary. However, some US states require a "Right To Cure" notice be sent to the borrower before repossession ...

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Can a dealership take back a car title from a lender and have the car repossessed if he is behind in payments even if arrangements have been made with the lender?

This question is incomprehensible. Please use the discussion page to add as much background and explanation as you can, and maybe somebody can wordsmith the original question into something people can answer. You can use periods and commas on the discussion page.

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How can do I get my name put on the title on a car you have been making payments on that is currently under my friends name?

Elizabeth Nerio-Perez and Elizabeth San Martin

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You have been late on most payments they worked with you to lower payments but you still cant afford it and am late again is there any way to trade it in what can you do so it doesnt get repoed?

Lenders appreciate honesty. They hate tracking people down, so if you are up front with them, it will help you.(95% are not up front) Tell them this information and try to sell the unit and ask them for suggestions. The goal is to sell the vehicle and pay off the loan. Don't sell it to people who...

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If your car which would have been paid off next week but was three payment behind was repo'd is there a possibility you can get it back?

Simply call the lender when you have the money to at least redeem it. Make arrangements to get your PP in the meantime, just in case things dont work out.

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Do you have to pay a ticket you never recived but was pulled over for?

If they don't have proof that you received the citation such as a signature or verbal admittance caught on audio file or camera then you don't even have to show up in court cause they have to prosecute with unreasonable doubt and there is reasonable doubt here also if they try to pull anything ge...

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Can a repair shop keep possession of a vehicle after all payments have been made?

Yes..If they paid you for the vehicle it now belongs to them..Other than that if you're paid up then the car belongs to you.

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Someone gave me a vehicle was suppose to give title but never got it its been 3 years and can't find the person how do i get a title for it?

Since enough time has passed and they have mad eno attempt to take possesion of it you may declare it to be abandoned, at which point you may claim it for yourself, or junk it if you prefer. Contact your local police department to get details on how this might be done.

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If you called the creditor and arranged payment for late car note and he agreed to the arrangements but repoed your car isn't that somehow wrong?

Yes, its SO wrong. Same thing happened to me and the day I was to wire them the funds, they repoed my car. So, I got an attorney, filed bankruptcy and they gave me my car back. Now, they will get 1/2 of what we agreed on. Idiots.

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What happens if you are a few days late on a car payment?

If so, as long as you make your payment by the end of your grace period, your loan will stay in good standing, and you won't be charged any fees.If your lender doesn't have a grace period, they may still be willing to work with you.Let them know why you're having trouble making payments.

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Can your car be repossessed if there is not a lien on your car you were not behind on your payments?

If you have no lien on your vehicle then no one has a legal right to repossess it. If you're not behind on the payments there would be no reason for the lender to reprocess the car in the first place. It is hard to believe you have a loan on a car without a lien. The car stands behind the loan. I...

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Can a credit union refuse to release title of a car that has already been paid for if the customer is late on another loan?

It depends on state laws, or if they wrote it into the second contract.

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In Kentucky how many car payments behind do you have to be before your car is repossessed?

Your car can be repossessed if you miss one payment. Not likely they would do that but it is possible.

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Can a used car dealer verbally add on a late charge for 1 day late months after the contract that was signed said 10 days late there would be a charge?

No, a Signed contract is Legally binding, you would need permission from a courthouse to modify any such contract.

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What paperwork is needed to sell an ATV in NC I have the Bill of Sale but never got a Title is that enough?

Titles are generally issued for vehicles registered with the DMV (ie, they have plates) for use on public roads. As the ATV is usually used off-road, such registration is not required - however, check your local DMV's web site to make sure.

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If you cannot make a payment anymore on your car is the person still responsible for the payment after it gets repossessed?

The will sell the car (usually at auction) and if they sell the car for less than you owe, you will be responsible for the difference. The lender may take the issue to court and obtain a judgment for the balance owed. If this is not paid they may take further collection action with may include wa...

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Can you be arrested for not paying your car payments?

maybe but your car would be repossessed

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In Georgia can a car be repossessed if the borrower paid a lump sum to cover arrearages and wants to keep the car and make timely payments but the lender wants the car returned?

In Georgia, Has an "endangerment of security" if at any time the finance company fells that there security is in danger they can repo you car. A finance company can repo you car at any time even if you are current if they fell that there security is endanger. Example of Endangerment I have repo f...

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Can an ex-spouse be responsible for a repossessed car also if they are the first one on the contract?

YES, IF YOU ARE ON THE CONTRACT. but that also means you have rights to the car as well as the ex spouse....if he lets the car get repossessed it will also effect your credit.... we have live consultants that can help you with this specific situation ...so try our website www.stoptheREPOman.comDO...

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Can your loan be in default if you are making your payments on time but have failed to insure the vehicle or provide information to the loan company?

Yes. Making payments on time is only one of several things you agreed to do when you signed the loan papers.

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What if you are three weeks late on a car payment?

Personally, I would contact the lender and describe the circumstances and either pay the back amount or make arrangements with them.

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Can a car dealership repossess your car if they say you owe them more money for a down payment?

A dealership can only repossess your car if you do not pay in accordance with the sale agreement. If you did not pay the agreed down payment, the car may be repossessed.

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Can the bank have someone come into your job and ask for the car that is to be repossessed?

Yes!! Banks pay a lot of money for collectors and repossessors to try to contact you. Collectors first try to get you to make the loan current, then they try to get you to at least contact the bank to make payment arrangements so you can keep your car. But when you avoid this person, and all of t...

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Can you be arrested for not making a car payment for over a year?

No payments?? NO Hiding the car AND not paying?? Possible but NOT likely.NO, it is a CIVIL matter, not a CRIMINAL offense.

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All things being equal which will move more easily a newly polished car or a car that's never been polished?

The newly polished one as the air will flow across the body with little resistance.

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Car wont start but crank and the ignition coil have been replace what could be the problem?

yeah, but do you actually HAVE A SPARK? and is the distributor turning? Timing Belt or chain OK? also, got a book for basic troubleshooting everyone should have a manual for their vechicle, and the library should have a professional shop manual available in the reference section for FREE to make ...

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What fees can you be charged for getting a car out of impound in Colorado?

the tow charge plus daily storage

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Your car was repossed for defaults to late fees you paid bank released the car but repo man has it for two days now can you sue this jerk?

No. They are doing their job and it takes time to process things. You need to talk to your bank and find out if you are suppose to pay for the repo release. Show the repo guys your paperwork saying the car is released. You may still have to pay a fee to them, that is how things work. If you are i...

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Can you ask for an extension on a car payment?

If you are having problems with your credit or difficulties making payments on your debt, then a loan extension for your car may be a good option.This extension will increase the term of your loan so your monthly payment is decreased.

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Can a bank repossess a car before the last day of payment?

Unless it's explicitly stated in the fine print that they can't do any such thing, they have a right to repossess the moment the payment is rendered late, if they so wish. However, if you have documentation from the bank showing them explicitly giving you a deadline date, and they come to reposse...

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If you have a NY driver's license but don't have a car of your own If you have been driving your friend's car But her car insurance doesn't have your name on it Can you still drive her car?

Absolutely. The CAR is insured, not the driver.

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When will the first payment be due on a car?

Generally, after the purchase of a new or used car, the contract will state when a payment is due. Usually, it is due 30 to 45 days after the contract is signed.

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Can a car be repossessed without notice?

In the case of a car loan, if you miss a payment, the bank could repossess the vehicle without notice.They can go on to your property to reclaim it as long as they don't “breach the peace,” meaning use threats of force.Lenders do not need a court order to start the repossession process.

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Can a car be repossessed with force?

Repossession agents who do carry arms do so as armed civilians, with no additional law enforcement powers granted to them. They may only use their arms in self defense, and may not draw weapons under any circumstances other than those which allow the use of such force by any other armed civilian....

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