Can you cancel a auto contract if you cannot be financed and what happens when your cosigner backs out and you need them to buy the car and is there a special law in Pennsylvania?

Cars & Vehicles
Auto Loans and Financing
Co-signing

Fixing your credit rating will help, and try to find a new co-signor, or get a loan through one of those "everyone's approved" places IE GoAuto... however watch out as their interest rates can be high

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If a person buys a car but the dealership cannot obtain financing and wants the car back will they refund a 2500 dollar downpayment made to them?

Bill, it is NOT up to the dealership to get financing. YOUR CREDIT can be such that NO one can get you financed at any DP, or interest rate. READ your contract closely. It likely covers such a thing happening.A similar scene happened to a friend recently. Yes, the money should be returned b/c wit...

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Can you cosign on an auto loan if you financed a car recently?

Yes, as long as the person you are co-signing for has an income. The rule is one income one loan two incomes two loans.

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Can you back out of buying a house after signing a contract?

Can you back out of an accepted offer? The short answer: yes.When you sign a purchase agreement for real estate, you're legally bound to the contract terms, and you'll give the seller an upfront deposit called earnest money.

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If the cosigner for a car loan lives in a different state but cannot travel can the dealer travel to them to get the cosigner forms completed?

U.S.Mail or Fax and a Notary Public is all you need.

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What happens if you give your car back to the finance company?

You are unable to make the loan payments, so the lender is taking the vehicle back.It will be sold to recoup as much of the debt you owe as possible.If there is still a balance remaining after the sale and you don't pay it, it could be turned over to a collection agency.

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If you sold a car to carmax and changed your mind can you give them their money back and get your car back?

Very rarely, and if then only on the same day. Usually not, because of the paperwork filed with the local DMV.

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When you are paying on a car and it needs to be repaired but you can not afford the machanic bill what happens?

Depends. If the work is done already, then the mechanic can put a mechanic's lien on it. If not paid in a specified time, they can sell the car off. You're still liable for payments to the lienholder, though.

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If you do not nor ever had a contract with a financer of your car how late do you have to be on your payment for them to repo?

WHY are you even paying notes to someone who has no secutiry interest in your vehicle?? You can be ONE day late and be in default of whatever "contract" you have that convinced them to loan you money. Be Real

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If your car is being repossessed and you tell them to wait so you can retrieve your pp but they leave can they charge your for getting your pp back And yes you do have a witness?

No, they don't charge for that, but you should have told them to go away. Then they could be charged with criminal tresspass or breach of the peace, depending on your local laws.

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If your car is impounded what is the law regarding your possessions in the car Can you get them out without paying the impound and towing fees?

You are allowed to remove any personal possessions from a vehicle that has been impounded without paying. You are not allowed to remove any part of the car like speakers, spare tire, seat covers, etc...

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Does a New York State consumer have any rights when it comes to canceling a contract for advertising an auto if you were solicited by telephone from another state and you used your credit card?

The law you are referring to is 3 days, 72 hours. Cancel the contract and see what happens. You may very well be covered considering they solicited you by phone. Unless you asked for it in some manner.

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If some pulls out on you from a side street and you are speeding abit and hit them on the back of there car whose fault is it?

it is the person who pulls out on your street

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What happens when you back out and hit your other vehicle parked in the driveway?

You can pay for it yourself or file a claim with your insurance company and they will take care of it. Do realize that your premiums will go up. So do the math, if the damage is more than your deductable plus the difference in what you will pay if your insurance goes up (for 3 years worth or howe...

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If someone says you need help fixing your seat should you get in there car and help them?

Of course you should unless you see a sign of suspition. Of course you should unless you see a sign of suspition.

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Would it be grand theft if you took your car back from the repo lot and what can happen to you if do?

Grand Theft or Grand larceny, either one is bad. Please dont do it. Once the Car is in our care and custody it is NO LONGER YOUR CAR AT ALL, Unless the lien holder says it is and yes it has happened and yes debtors have Been arrested for taking a car back.

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I was wondering if there was a device which can be fitted to your car to remind you when you need to change gear?

Yes. This item is called a Tacometer. You mount it to your dash. it resembles the rpm gauge. when you get it the right Rpms a big red light with a circumference of a quarter will light up.

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Can anything be done when car back out and hits you and no injuries were inflicted?

an apology would be nice

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Can Valve Seals on Mercedes E240 V6 be Changed without taking the head off. If so what special tools do i need and where can i purchase them?

Apparently yes!By either threading a comprsor hose down the spark plug hole after removing the spark plug it or filling the cylinder bore up with 6mm nylon rope to prevent the valve from dropping.

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Can a buyer back out of a car contract if unable to afford the cost of the insurance?

Nope, once you sign, the car is yours. You can still pay the loan for the car without insurance.

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If you loaned vehicles to a friend and he will not return them and you cannot retrieve them because you can't leave the county can someone else retrieve them for you in Florida?

if your name is on the title and you cant go get it. you can make a phony bill of sell to a friend and have them get it or if you have another set of keys then go get it , there is nothing they can do ,,,,.

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If a dealership assigns a car to a finance company and the finance company says you don't owe them can the dealer repossess?

If the finance company has been paid in full, then why would the dealership (or the finance company) want to repossess your car?If the loan hasn't been repaid and is long overdue, then the dealer and finance company will probably decide who actually repossesses the car. Either way, it's up to the...

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How do you know when your auto alignment needs to be checked?

Auto alignment can go out of whack when you hit a curb or are in an accident. The best way to tell if your alignment needs to adjusted is to find a straight empty road, speed up accordingly, and then lift your hands less than an inch off of the wheel. While under no power, if the car drifts to ei...

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When you sign a contract with your co purchaser and leased your car did he have the right to take the car back to the lot and get a full refund on the downpayment with out your knowledge or consent?

Technically yes, he probably did, but you are entitled to your part of the payment.

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If your partner is driving while your car causes a violation can the points be out with them?

In any place I've lived, whoever is driving gets the citation and the points.

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If you are behind 1300 and you offer them 1500 to get your car back and continue making payments can they refuse?

READ your contract. It likely has "right to accelerate balance due" clause. Just as you have the right to pay the loan off early, the lender retains the right to call it due early. This depends on several factors, your payment history,if you are in default, ect. So, YES, they could refuse.

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What happens if you contract to buy a car and the seller sells it to someone else for a higher price?

Depends on the contract. Check to see what penalties are listed for defaults.

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Can a buy here pay here repo and resell your car if your insurance is cancelled and keep all the money you have paid already?

Most likely ... the purchaser has to agree to keep a valid insurance policy in force during the loan period. This not only protects you, but it also protects the lender, should an accident occur, their "investment" is covered. If the purchaser negates along the way on auto insurance, then they ha...

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If your car was repossessed is there a law stating how much a finance company can sue you for after it has sold the car?

Sure is, they can get a judgment for the balance due on the loan minus what the car sold for PLUS any fees incurred(repo,attorney,auction,ect.) It should be in the contract you signed.

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How many times a day can a finance company call you if you have already spoken to them that day?

Once. According to the federal fair credit laws that a debt collector can not call you at work, can only call once a day, and only between the hours of 8-5PM. Look up consumer protections and there are forms you can use to file a complaint against a company on the web site.

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Do you need to bring any special paperwork if you am buying a car from a car auction?

you do not need to bring any special paperwork if you are buying a car from a car auction. the only proof you will need is the paperwork after to buy the car to get insurance and the titles switched in your name.

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What happens if I cancel my car contract that financed for 5 years for personal reason and its been a year and a half that I have paying the fees?

A contract is a binding legal agreement, and you cannot cancel the contract. If you fail to make your payments on time they will repossess the vehicle. They will then sell the vehicle for whatever it will bring, and you will be required to pay the difference in the selling price of the vehicle an...

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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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How can you find out where your repossed vehicle is being auctioned at Too try an buy it back?

Bank or loan company who repossessed it.

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If there are two names on a car title co-signer but the two want it to be owned by only by one what needs to be done?

It depends on how the names are listed, whether they say and or or between the names. In both cases it would have to be one buys the others interest in the vehicle, even if only for $1.00, unless there is a loan and the lienholder holds title. In that case the vehicle would either have to be paid...

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If you financed a car in your name for a friend what must you do to take it back?

It depends on what state you are in and why you are taking it back. I helped a girlfriend's niece buy a car that she drove for 6 months and made 2 payments. I paid the past due payments and gave her 30 days to get me 5 payments or bring me the car. I made 3 copies of that letter and all 3 of us s...

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What if you are in school out of state and need to get your car inspected?

Get it inspected when you get back to your state. Law Enforcement does not generally concern themselves with out-of-state inspection stickers.

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You bought your car in Tennessee it was financed at a buy here pay here you moved out of sate without notifying them and im behind on payments can you get in trouble?

You probably already are. I am sure they are looking for their car or their money. It is part their car until you make that last payment. They have a legal lien on that vehicle until you pay off the loan. Do not make a bad situation worse by not doing anything. Contact them and tell them where yo...

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Do you need to signal when backing out of a parking space?

Once you've backed up enough and you're about to drive forward, then usually it will be obvious which way you are going.If it isn't, then use a new signal at that point.If backing out to the left, signal left: Drive away with appropriate signal (may be none, left, or right):

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Can the key be pulled out of a 1991 BMW while in gear and what happens if it can be?

In my 1991 525i auto it can. The ignition turns off and the steering will lock if turned. Bad idea.

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How can you get your car back if the finance company wants you to make the loan current and pay to get the car out but you can't afford to?

Gee, Hery, I dont see any way for you to get it back.

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How much can you buy your car back for if its a total loss?

It completely depends on the market and the insurance company. If the car that has been damaged is undesirable by the masses, they will off it to you for very cheap, like 10_20 cents on the dollar but if it is a high resale type of car, it would be more like 25- 30 cents on the dollar.

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If you can't pay to get your car out of the impound can you leave it with them?

In Texas, when your car is impounded, it is best to go immediately and retrieve your car. The towing charge and daily storage mounts up. The longer you let your car stay in impound the more you are charged. If you have a mortgage on the car, the company that has the mortgage is notified and they ...

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When do you need to change front brake pads and turn rotors how many millimeters do they start out at If there are 3mm left and do they need to be replaced?

The pads need to be changed when they wear out. That is determined by how you drive. Can be as little as 20,000 miles or as high as 60,000 miles. Once you hear the warning signal, (Squeal) that the pads need replacing, if you immediately replace them you can easily have the rotors trued and not h...

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Do you call the finance company or just take the car to the dealer if you want to do a voluntary repossession and do you need to inform the finance company you're taking it back or will the dealer?

call the finance company and tell them that you want to do a voluntary repossession and they will take it from there.

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What if your car was damaged when being towed and drug out of a yard?

In my opinion, it is the towing company's fault, and they should have to pay for it.

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Can you back out of a car deal if you already signed a contract that states you paid 4500 dollars down that you didnt pay and you didnt even get to take the car home?

Some states have different laws, but in Virginia, the deal is not finalized until you take possession of the car. It has to physically leave the car lot. Also, the bill of sale and contract have to correctly reflect the actual transaction. If you did not pay 4500 down, and the car lot is trying t...

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What part would you need to buy if your window won't roll up or down and there's a wire that has snapped?

If it's just a broken wire, you need the correct size 'butt connector'. Get the heat-shrink type, strip both wire ends, crimp on the connector, shrink the connector tubing ends with a lighter (BBQ lighters work really well). Done. If you need to add wire to make the connection, you will need at l...

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If you give a car back to your finance company are you responsible for negative equity on the car?

Yes - unfortunately you didnt borrow a car, you borrowed money. Your car has depreciated faster than you have paid off your loan it is your responsibility to pay the rest not the finance companies.

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How can you find the title to your car if the finance company went out of business?

You Can Get A Copy Through Your Clerks Office. They Will Have It Mailed To You. Cost About Five Bucks.

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If you are trading vehicles with another person what else do you need to make it official besides endorsing the back of the titles and trading them?

Must be notorized and a bill of sale.

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Can you run clr through your radiator and engine at the same time to clean out both of them them flush them out good with out damage to either one?

This is not a recommended use for CLR.People have done this and report no adverse result's, but I would not.

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If your husband is being stationed in Japan and you can't take your car can you get out of the financing or do you have to have your car repossessed?

You need to contact your husbands CO and/or base JAG for better advice. There ARE solutions for the problem and they can help you utilize them more effectivly than I. Do that BEFORE you do anything else.

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If took out a car loan for someone. They could not co-sign dut to bad credit. Can I sue if they stop paying me back?

No, by signing the contract as a co-signer you automatically accept the responsibility if the signer is not paying you will be financially responsible for the loan. There is no legal action you can take against the signer. For more information you can visit http://www.autocreditfinancial.ca IN so...

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What can you do when a neighbor is parking directly behind your driveway making it difficult to back out and they have a driveway they refuse to use?

Go next door, politely introduce yourself and ask them if they would please not park there because it makes it hard for you to back out.=======================More thoughts . . . .Hopefully the chat with your neighbor has solved the problem, but here are some thoughts to consider

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How can you get your money back after buying a car and it keeps going wrong?

Check for "Lemon laws" in your state

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I have a small business and cant make the payments on the tractor and trailer any more. What will happen if I have to let them go back?

you will get kidnapped then bummed by 5 black mans all hiv postitive

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How do you know when your thermostat and head gasket need to be replaced?

The thermostat needs replacing any time you service the cooling system. You should also replace it if the engine is overheating, and you suspect it is defective. A blown head gasket will exhibit, certain symptoms. Coolant in the oil, white smoke from the tailpipe, overheating, air bubbles coming ...

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Do you have to take the car into a dealership to replace sensors on a Mercedes Benz c230 2006 or can you buy them and replace them yourself?

They can be done on your own - IF you have the knowledge of how to do it. If you're going in blind, a Euro car is not the place to learn as you go.

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Was there a law passed that states that servicing of autos not involving warranty items can be performed by any licensed auto repair facility and not have to be performed by the dealer?

No for basic maintanence your can can be serviced by any certified automotive repair facility ie. Les schwab, firestone, midas, jiffy-lube, ect it will not void warranty

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You bent your frame when you hit a curb It runs fine and there seems to be no problems Is it okay if you don't fix it?

As long as nothing is rubbing and the engine seems to run fine, you will be ok. Except that your tires are most likely going to wear unevenly now, and fast too. Keep an eye on them so as not to have a blow out.

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How can you find out if a car you want to buy is stolen?

Is there a TITLE to the car? If not, RUN the other way. Ask a policeman to run the VIN.

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If you were in a car with somebody and they were being reckless and you told them to slow down and didn't and you knew something wrong was going to happen what would you do?

Keep doing your best to slow him down. If you feel real unsafe, you can ask to get out. Demand he let you drive or (if its not too bad) you can say I told you after the fact

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Your transmission runs fine when it is cold but after you drive for a bit you can not get it to shift from 1 to 2 and when you step on the gas the transmission will slip out of gear?

Sounds like your torque converter needs replacing

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In the state of California can a auto repair shop repo your car and keep it on their lot and do repo companies need to be bonded?

Does the repair shop have a lien on your car for you not paying them for repairs to the car?If they do have a lien then yes they can seize the vehicle until you satisfy the lien. As Tank said, they need to have a lien on the title. You have to have signed an agreement with the shop stating that t...

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You got a 305 out of a pick up to put in your car but can not get fire help?

try replacing the coil

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Can you take out a used auto loan and use the 'to be purchased' used auto as collateral for the loan?

In most areas yes, it is called collateral.

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Do you need to keep a dependent on your insurance if they move out?

a dependant moved out of my home and is 21 do i still have to pay for insurance

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Do you need to be added your parents auto insurance if you get your license but will not be driving alone you will be using your permit with your parents in the car?

Yes, because you will still be behind the wheel, it doesn't matter who else is in the car.

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Is there anything you can do to your stock 1996 bronco with out buying anything for better preformince?

the only thing you can do with out buying anything is to turn your air filter top upside down, But a good tuneup will help a lot.

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How can you buy out a leased car when the lease expired and car was repossessed?

When a vehicle gets repossessed it either goes back to the dealer who leased it, or, and more commonly, it is auctioned by the reclamation company.You would need to attend one of these auctions to be able to bid on one, and even then, a lot of times you have to be a licensed dealer to participate...

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What make and model the station wagon in the movie a lot like love is you want to buy one but cannot figure out its make and model?

I didn't get a good look at it, but it looks like a late 60s to early 70s Oldsmobile Vista Cruiser Woody Wagon.

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How do you siphon gas from a common passenger vehicle of which you have tried different pumps and can not get them to work?

Gas is a compressed liquid, you normally cannot pump it, once the pressure has reduced that is it. It could also be considered dangerous to do what you are tryingOn almost any vehicle manufactured after about 1996 you will be hard pressed to siphon gas out of the tank, Most if not all in the U.S....

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Can you report a vechile stolen if the person you sold it to is not making payments anymore and will not return the vechile back to you and you do not have a contract?

Absolutely. If they have your car, no legal documents to prove they own it (since they don't own it), and refuse to return it, it's a stolen car, and can be reported as such, but tell the police the truth, that you lent out the car for payments, and they didn't pay. They may or may not help, but ...

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What to do if you buy a used car from dealer and find out later there is no air bag and air bag sensor was purposefully disabled?

You could probably sue the dealer for putting you in harms way.

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Your husband is losing his job and you can not pay your car note you are going to have to let it go back you have never been down this road before and you are very worried?

There are several approaches to this situation:a. If you are religious, start with a prayer.b. You should call your lender and see if they can postpone or reduce your payments.c. Contact your local Credit Counseling Service. They may also be able to help with other creditors, allowing you to have...

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Your friend over paid for a new car yesterday in Washington State The blue book retail is 11500 she paid 17000 AND gave them her mini van Can she return the car cancel the contract?

unfortunatly i don't think so. You may want to contact a Washington state lawyerCar dealers will take the remaining amount owed on the trade in and roll it into the new car loan. If she owed $10,000 on the van and they only gave $4000 in trade the additional $6000 is what she still owed on the fi...

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When repossessing your car can they leave you stranded somewhere like if you go into a store and come out and your car is gone?

I'm pretty sure they can. The minute you get out of the car it's fair game. Even tho their insurance prohibits it, most repo agents will offer you a ride home if possible.

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When you crank your car why do it be idling up high and then it idle back down to normal?

When you crank it? What are you driving a Model T Ford?

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What happens if your SUV needs 7 quarts regular motor oil but 1 quart that got added turned out to be 2 cycle oil?

your an idiot with a stupid car

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How can you figure out what sensor you need to replace when your 99 integra isn't idling right?

If you have a faulty sensor chances are the check engine light would be on. The code(s) set would help indicate what the trouble is.

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Is there a permit where you can drive to school and work if you have your own car?

Driving laws and the licenses and permits to drive are all controlled by the individual states and can be quite different from one state to the next.

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Can A Vehicle Be Damaged If Another Car Backs Into It in the driveway And It Moves About 2 Feet While In Park But There Are Skid Marks And What Kind Of Damage Would There Be To The Trans?

Any object colliding with any other object can cause damage. What damage is caused depends on circumstances. We were not there and cannot assess the situation. Ask a mechanic (or your insurance adjuster)

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What can happen to you if you are in a crash and not wearing a seatbelt?

If another driver violated the posted speed limit or drove recklessly, and subsequently collided with your car, that driver's negligence makes them liable for your injuries.If you were not wearing a seat belt at the time of the accident, you potentially sustained more severe injuries than you oth...

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Is it possible to back out from a car contract once you signed it and drove it off the lot with dealer plate?

Doubtful. Ask the seller if you can back out. He may agree, but if he doesn't you more than likely own this car. Call your state Atty. General to see if your state has a cooling off period for cars, which I doubt.

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What happens when your car gets impounded and you don't have the money to get it out?

It varies place to place, but it is stored for a time, usually 30 days and them sold. There is a towing fee and a daily storage fee that can really add up quickly. If you want the car, you need to get it out somehow ASAP.

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Your car turns off when you stop and starts right back up it happens once in a while?

If you drive a manual car your shifting isn't correct

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What are your options if you are being assigned overseas and cannot take your new vehicle and you do not want to pay for a vehicle you can't use?

Ask your CO about it. You must not have thought about the purchase very much before you signed on the line.Bradley, the service has legal people who's job it is to counsel you about financial affairs. they do this every day and know the ins and outs. Good Luck

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Can they garnish your pay for a car you have asked them to repossess because it has had many problems and now needs a transmission?

YES. and Thanks for posting your state.

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Is there a limit to how many cars you can buy and sell?

There are no outright limits on the number of cars that can be registered under your name, but there are some rules about how many cars you can sell in a given month or year.Rules vary by state, but, in general, if you plan to sell more than two cars per year, you may need a car dealer license.

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If you buy a Cobra Slide-In Unit for your truck will you need anything else to repo cars?

Its not as easy as it seems. Is your truck gonna handle the work SAFELY? REPO insurance is sky high.

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If you and your ex-fiance purchased a vehicle together and it is now being repossessed because he cannot afford the payments what can you do to protect yourself?

You can't do much except take over paying for the car.The repo will be on both your credit reports and if there is any a balance due they will come after whoever seems like they can pay(both you and your ex are liable for any balance) and in this case this seems you.Maybe sell your car and take y...

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If you gave a charged off car back to the cosigner would I be responsible for what they do with it?

Yes. You signed the loan agreement, so you are liable.

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If you are eighteen years old and drop out of high school can your driver's license be revoked?

no you just don't get good education.There is no reason for it to be revoked. Dropping out of highschool and your driver's licence are completely different things.

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If you lent out your car to a friend and he never came back on the time he said he would or doesnt come back at all. can you report it stolen?

Yes, and you have the advantage of knowing who stole your car and where he lives. The law enforcement officers would be very pleased to receive your report of this particular crime.

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If your car was repossessed without notice and it was damaged when you went to get it back what can you do about it?

Mike, dont know what state you are in sooo cant say if you had to have "notice" or "repo papers". The LENDER is liable for Damage to the car. You will need some type of proof that damage was done during the repo. Cant just pop up and say, "oH'they broke my car". Tooo many folks try that so lender...

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If the car was impounded and it's not worth taking it back because the towing bill is too much can you take the things out of the car and just leave it to them?

usely if you talk to the tow company an offer the tittle an th tow charge to there lot, they will let you. hope this helps

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If you are visiting the US from out of the country and want to buy a car to travel around in can you insure it in America?

Yes, insurance is usually available for just about every situation.

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You a leasing a car and a month ago you cancelled your insunce bc you weren't driving it anymore and was trying to save money for the wedding only to find out today that it was repossessed by your lea?

you are required under contract, that you sign to get your car, to maintain up to date full coverage insurance on your vehicle

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What if you hit a car and there is no damage to your car?

The insurance will pay for the car you hit.

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The air conditioner blows out center vents then switches to defrost and back. It has now stopped working. Can you answer why and what does it need?

You failed to say what kind of vehicle that you are referring too. Most older systems operated there blend doors using vacuum. A bad vacuum check valve could be the problem. You could also have a defective switch or a blend door.

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