What happens if you have not paid your car payment in over a year and no one has repossessed it?

Cars & Vehicles
Auto Loans and Financing
Repossession

This just means they have not found it yet. They can pick it up and, they can take you to court and you will have to pay the amount owed plus court fees and fines for hiding the vehicle. If that's the case.

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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 if you haven't paid for the car in a couple years and avoided the calls and still no one has picked the car up?

Then you are not only a person with no honor, but you are a thief. You borrowed money to buy a car and agreed to pay that amount back with interest. You broke your word, and then are hiding the car from it's rightful owner, the lender. The institution that trusted you to pay them back has lost mo...

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What happens if you sold equipment that has a lien on it not paid for?

you could get sued by the holder of the lien

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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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What will happen if a car has no motor or transmission when it is repossessed?

You are kidding rite?? You took a bad motor and tranny out just so you could look at the empty space?? LOL Did you think of this clever ruse all by yourself??? It doesnt matter, the lender will charge you for whatever is missing at RETAIL prices. You will pay for it.

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Does a car still have to be registered and insured if it has not been running for over a year?

if u drive on the road yes.

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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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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 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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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 sue if your car has been repossessed after you paid it in full 30 days ago and received the title and overpayment check?

If you have the clear title in your hand and someone took the vehicle from you, you certainly have the right to sue. In fact, you have an obligation to make sure those people are more careful in the future. You should wrap them up so tight in court that it makes them hurt.

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What happens if a finance company refuses to repossess your car but you haven't made a payment in over 6 months?

It seems there might not be much market for cars such as yours(junky, clunky, ragged out, motor blown?) so the finance co. decided to let you keep it. It's not worth repoing for what it will bring. BUT, that doesnt effect their ability to SUE you, get a judgment and/or garnish your wages, OR any ...

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If a car has a lien on it and is in a shop and been repaired can you go to the owner of shop and repossess even if the repair bill has not been paid?

NO. The repair shop has a lien also. Pay the bill.

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If your car has been repossessed and you know where it is can you go get it since you made the payments before they repoed it?

NO, NOT and dont consider it. Pester the lender to rush it up but dont STEAL it.how is that stealing when it is still in my name?It is stealing, because it was repossessed from you, and was probably reported to the local law enforcement agency there as having been repossessed. But don't take my w...

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If you hit a car and damaged it but your car has no damage. Do you have to pay?

You hit the other car, so yes, you need to pay to have the other car fixed. Your insurance should do this. If not, it is out of your pocket.

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Could your truck not turning over be because you have no gas in it?

If the engine will not turn over, that is, sound like it is turning, then the trouble is a dead battery or really bad battery clamps.If the engine will not 'catch' and start running, then there are a number of causes, one of which is having no fuel.

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If you have someone else take over your car payments and they haven't made a payment in a few months can you legally take the car back?

No. Not if you signed the title over to the other person.If they don't pay the loan then your credit will take the hit. If the car is still registered in your name you can take it. If so, do you realize how risky it is to allow someone to drive a car that is registered in your name? You are respo...

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If you want to give a car back and are one year behind on payments would the remaining balance have to be paid?

Either that or file bankruptcy. The collection agency will be after you for the amount that is still owed after the vehicle is sold at auction. Please understand that auction will not get anywhere near the full retail value of the vehicle, and you'll loose a lot of money plus be required to pay t...

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Can you have a total stranger take over your car and make your payments for you?

It is best to have the person buy the vehicle off you straight out. Then in turn, with the money you receive from him/her you pay the remainder of the loan. It gets too complicated for someone to take over car payments and you sure don't know this person. They could well leave the country and lea...

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What do you do with a car that has not been paid on in two years and the bank will not pick it up?

Not much you can do with it. Drive it if it will run or call a wrecker compnay to come get it if it wont run.

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What happens if a car ran over your foot but it does not hurt?

if a car ran over your foot would it brake because your foot has bones in it and they are very sneaative?

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Will a car not start if it has no gas?

A clogged fuel filter won't allow the fuel to pass in high enough quantities to be able to get to the engine to run.The fuel pump can also fail, meaning there is no way for the car to pump gas to the engine.If your vehicle fails to start don't just let it sit, as the problem may only get worse.

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If you own your car can you work out a trade with the dealer and have no payment?

Yes, of course. But the dealer will only do a trade this way if your car is worth much more than the car he is selling to you.

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What happened if you were behind on payments and the lender offered to refinance and lower the payments and said you were approved and then repossessed the car?

Generally you would have to sign paper work if the bank had approved a refinance agreement . In that case you could take legal action . They could however reposses the vehical if you fell behind again on your payments after sighing the agreement. Guess what......... banks and lenders LIE !!!!! If...

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You have one day before your car is repossessed is there any payment options?

Call the lender, and make some kind of arrangements. Do not let your car get repossessed. You will be responsible for the balance on the loan. no

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If one car was repossessed and you are making payments on another car can they take your only car even though you owe on it?

If payments are current and there has been no breach of the loan contract the car cannot legally be repossesed. It is highly unlikely that any lender would want to initiate such proceedings if they are getting paid in a timely fashion. Repo is the last thing a lender wants to do.Even though bankr...

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If you have not paid on your car for several years and lost the paper work how do you find out who you owe and where to pay?

Request your credit report and the information should be on there.

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What if your loan company wants to repo your car and you no longer have it?

Then you're still liable for the money you owe the lienholder.

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What happens if you trade for a car but no not have an operator's license?

Driver licenses are not required as a condition of car ownership. However, you will need a licensed driver to deliver the car to your garage from the place of swap or purchase. You will need a licensed driver thereafter, or to obtain your own driver license, in order to use the car for your perso...

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What can you do if you paid all the payments and downpayment on a truck that is not in your name?

Unfortunately if there is nothing in writing in terms of a promissory note or other proof that you were to be paid back, there is nothing that you can do.

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What happens if car has no MOT?

If your car fails its MOT you can only continue to drive it if the previous year's MOT is still valid - which might occur if you submitted the car for its test two weeks early.A fine of up to £1,000 can be levied, and a vehicle impounded, if it's found with an invalid MOT certificate.

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What happens if you have no water in your car battery?

I assume we're talking about the typical wet-cell battery. Usually it is filled with a mixture of acid and water. If the water is gone the battery is damaged and cannot be fixed by refilling it with acid and water.

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What options do you have in Connecticut if your car is repossessed and you want it back?

Your option is to CALL the lender who had it repossessed and find out how much it will cost to get it back. Repossession is a matter between YOU and the LENDER. There is no state agency that oversees the process.

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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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What options do you have in California if your car was repossessed and you want to get it back?

The lender is required to notify you at your last known address as the details for redemption. You can CALL the lender, you will have to talk to them sooner or later. MERRY CHRISTMAS

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You have not made the car payment as you are filling for bankruptcy- can the bank reposses your car if it is not parked in your parking space?

Until the bankruptcy goes through, you continue to owe the money and the lender continues to own the security. Therefore they can indeed repossess your car.Where the car is parked is irrelevant. In most cases, they won't even know, let alone care, that the space is reserved for you. They will sim...

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What can you do if your father dies and his car is repossessed and now his ex-wife has it?

You need professional legal help with this one. Non-Professional opinion: There is a possibility that there is nothing you can do. Apparently, your father was still paying for the car, and it appears that his ex-wife has agreed to resume payments.

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What happens if you can't afford your car payment anymore?

If you owe less than the car's value, you've got equity.If you owe more money on the loan than the car's actual value, you have negative equity.You'll pay off your loan and that's that.There will be no danger of hurting your credit because of late or missed car payments.

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What happens if a car was to be repossessed and it didn't happen?

You are lucky. If you cannot make the payments contact the lender and try and work something out. If not voluntarily turn the car in yourself. You will save yourself the repossession fees.

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What happens if you miss your car payment?

If you continue to miss payments, and do not reach an agreement with your lender, the car will likely be repossessed.If reported, the late payments and repossession can damage your credit score and make it harder to get credit in the future.Some states allow cars to be repossessed after one misse...

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If you are taking over a car payment lease this month how long would it take for you to let someone else take over your lease car payments?

If you're going a dedicated car lease transfer website, the timeframe can usually vary from 10 days to 6 weeks. This is because there is paperwork that needs to be transferred and disseminated between at least three parties - the lease seller, the lease buyer, and the finance company.

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What do I do if someone I sold a car to after numerous phone calls has still not picked the car up and it's been over a year?

If he payed you I would try to contact him for a little longer. If not I would resell it. A year is a little long for something like that.

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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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What do you do when you stop making payments on a car and you've asked the car company multiple times to pick it up haven't paid them in over a year but the car's still sitting in the driveway?

The car company is not who you should be speaking to. The lender who loaned you the money to purchase the car is the lien holder and the entity that actually owns the car. That is who you need to contact. Something is not right here. Normally the lender would not hesitate to repossess the car whe...

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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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What happens if your car is not registered... and what if you've been driving it around?

someone will hit you on the head with a tack hammer, because you are a retard.

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What do you do if your car was repossessed but there was no breach of contract and you are ahead on payments?

CALL a local attorney NOW. The part about "ahead on payments" scares me. How you determine you are "ahead" and how the lender determines that gets a lot of folks in trouble.

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What happens if your car gets repossessed?

Find out if you owe money Even if your car is repossessed and later sold at auction, you might not be off the hook.If your car sold at auction for less than what you owed on the loan, you must still pay the remaining balance to your lender.If you do not make those payments, your creditor can sue...

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What happens if you get your car repossessed?

if i get my car repossessed, can they put a llien on the house?

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If two people are on a title one signs it over and you have the vehicle and the other person doesn't sign it over its all paid how can you get the title?

You can either sue the other co-owner for your half of the proceeds of the sale (conversion) or you can sue to have the sale voided (recision).

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What happens if you get pulled over with no tag?

If you get pulled over with no tag on your vehicle, the police officer will give you a ticket and impound your car. The fines could cost hundreds of dollars.

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If you have 2 vehicles and one is being repossessed can they take your other vehicle?

If you have multiple vehicles, chances are they are not on the same loan. If you default on 1 loan and are current on the other they cannot repo the other vehicle. If they threaten you with they will repo your other car, or threaten you with saying such as you will be arrested. I suggest you cont...

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What happens if the water has frozen in your car and you try starting the engine?

If the engine is not ruined already the belts will fail because the water pump will not turn.The engine may not turn over at all because the water pump will not turnWhen it starts, if it does, it will overheat very quickly and the cooling system will fail because it is full of ice and will not co...

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Does a car company have the right to repossess a leased vehicle if it is fully insured and all payments are on time and are you obligated to take it back if it is unlawfully repossessed?

if a vehicle is unlawfully repossesed, you can get the vehicle back, and claim back all monies you have paid, and keep the vehicle without any further payments being made as long as you have proof you were up to date You are never relieved of the responsibility of paying for a vehicle or the leas...

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What you do if making payments and cars not working?

You're pretty much out of luck. You'll need to find some money to have it fixed in addition to the payments.

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Is there anyway to repo a car without reporting it stolen if your sibling has the car and is not making payments on it?

If the sibling has the car with permission, you CANT report it stolen. If you are listed on the TITLE as owner or co-owner, go get the car. If you are listed as leinholder, have some type of proof that sibling is in DEFAULT of a loan using the car as collateral, go get it or hire a repo agency to...

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Why is a car payment owed this month if 5 months have been paid in advance?

Paying a lump sum one month does not automatically negate the fact that following payments are still due. The lump sum just makes the payoff come sooner, so the final payments of the car loan may not be required. Contact your lender for more information.The proper method to pay in advance is to s...

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Can you get your repossessed car back once you have paid back the amount that was owed for past payments in Florida?

IF the lender agrees to that amount, yes. Sometimes they want you to pay the loan off completly. And you have to pay the repo fees. Call the lender and find out.

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What happens if one misses two car payments?

There is a potential for the person to be liable for penalties. Or worse, there is a possibility of the person getting black-listed or the person losing the car and all the money paid for the car.

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Can you sue a mechanic if your car has been in the shop for over two months and they keep making promises to have it finished.?

Check all of your paperwork for disclaimers. If it's parts they're waiting for, they have no control over that. You just need to be patient. Now, if they're just holding your car hostage, that's a different story.Try to get a refund, then tow your car to a more trusted garage. If they won't bend,...

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What happens if your car is repossessed and you are out of the country?

The same thing happens as if you lived across the street from the lender. They notify you by mail what is going to happen(court,auction,ect) and if you dont respond they proceed. No biggie.Not to my knowledge. Search in your browser for "vise + revoke".

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If a you sign for a car for your friend and they don't make payments on it and its in your name can you sue your friend?

i am not sure and you need to call a lawyer

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What happens if you over flow your car with oil?

no big dea. just dump the oil and refill to the required amount

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What happens to a car engine if it is not driven in a year to 2 years?

Nothing happens to the engine but the gasoline gets old. Before you park the vehicle add some fuel storage treatment to the gas tank and run it for a few miles.

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What if your car has no electricity?

a car doesn't have electricity, it has a battery to control the lighting and the ignition and other things in a car.

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What is the penalty for driving with a CP license if no one in your car is over 21?

Depends on the officers mood - got donuts? JUST KIDDING! REALLY I AM! anyway, being an insurance broker I can tell you that the officer can give you a ticket and impound the car (depending on what you were pulled for) taking the car would be the most extreme.

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If you haven't made car payments in a long time would it be better to turn your car over to the lender or to start sending payments now?

You know how far behind you are, sooo, you should have that amount READY to send/give the lender to have any hope of continuing the loan relationship. In any case, you will have to contact the lender to resolve the issue, if only to tell them where to p/u the car. It will take much convincing to ...

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WHAT IF YOUR CAR HAS NO LICENSE PLATES IN ILLINOIS?

To drive it you have to have license plates or you could get pulled over or something like that

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What should you do if you haven't made a car payment in over a year but the bank won't pick it up?

Your credit is shot no matter what and you may no longer be the legal owner. I would not attempt to register the vehicle nor would I drive it. I suggest you contact that bank. If they won't dispose of it and they haven't taken ownership of it through the title process than you can take the chance...

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Can they repossess your car if you stopped payment on the downpayment check because the car was not repaired correctly?

YES, they can/did. You had paid NO money on the car so it WASNT yours. Do you think it makes you look like a GOOD credit risk when you stop payment on the DP??

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Can your car be repossessed if you are in it?

Every state has its own rules regarding repossession but having a security interest generally means your lender can repossess the car without notice if you default on the loan.Many things can constitute a default but the most common reasons are not making timely loan payments or not having car in...

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If you bought a car for your daughter but not in her name and she is not paying payments now what can you do in Texas?

Nothing. the owner of the car (name or names on the car loan) is responsible for the payments. If it is in your name, take the car from her. Most cars 10 years & younger can have a key cut from the dealer by the VIN code. Have a key made, & take the car (only if it's in your name)

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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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Bank will not repo your sons car it has been in your garage for over a year you have call them many times and they keep telling me that the repo man will show up?

How about giving it to your son to keep at his house?If he lives with you, let him drive it until the bank does repossess it.I would guess that is to the advantage of both of you.He still has a car to drive without borrowing yours.But certainly, if payments aren't made the repo man WILL come soon...

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Is it possible in Arkansas to back out of a new car contract if papers are signed but no down payment has beeb given and have not driven car off lot?

That depends on the law in Arkansas. Generally, in most states a signed contract is binding, if it was not created under duress, does not include an illegal act or substance, if each party to the contract is an adult (generally, over age 18), and if each party "gives up" something, such as one pa...

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Will you get penalized for money made over what you paid for it on a car sale if you do not report it as income?

Technically - yes. Realistically - it is unlikely that the IRS will come after you for a few hundred dollars made on the sale of a car.

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If a mechanic has a mechanics lien on your car will this prevent the finance company from repossessing your car or prevent you from voluntarily having car repossessed?

No, what will happen is this: the finance company will pay off the mechanics lien (usually) and tack that on your loan balance, it would be considered a repo fee.

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You have mould on the seat of your car it has been in the garage for over a year what is the best way to clean them?

The best way to get rid of that is to buy some really powerful stain remover and get a pocketknife and scrape at it until it goes away. Then use a wool scrubber that you would use for dishes and scrub the hell out of it.

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Can your parents take away your car if you are 16 and it is paid off?

yes. parents are only required to provide you with food, water, shelter and one shirt, two shoes and one shirt.

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What happens if you do not have a license and wreck someone else's car?

You will be charged with property damage and driving without a license and most likely driving without insurance. Not good.

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If you got sued and lost can they take your car that is not paid for?

No because you are going to make a payment for that car already!

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What do you do if someone hits your car and has no damage?

What to do if someone hits your car while you're driving Pull over and get to safety.Call 911.Collect all the required information.Document the accident.File a claim. If your car was damaged and the other driver was at fault, their liability insurance would pay for the damages or injuries the...

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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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What if you bought a car and decided that you don't want the car can you take the car back if you have not made a payment?

As soon as you leave the lot with a new car you have signed for and purchased, it becomes a used car and the value drops immensely. You can try, but you bought the car, and you own it. Unless the dealer financed the car, he has no interest in it any longer except for servicing it. Your only chanc...

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What happens if your 16 years old and never had a license and you crash your friends parents car?

Their insurance company is liable to file suit against you (via your parents, who are your legal guardians). There's a likelihood of criminal charges. The law enforcement agency and the parents both have the option to press charges, even if the other decides not to. And your parents should give y...

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What happens if the driver has no license and has someone with him?

The driver gets arrested but if it's a learner with a L plate you have to have someone who's 21 or older and as had 3 years driving experience.

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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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How can you protect your car from repossession over the weekend in order to make full payment on Monday?

Other than hiding the car very well, you can't.

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What happen when you buy vehicle from private owner and finance is not paid in full?

The unpaid finances are transferred to you and you should pay them in order not to impound your vehicle. Than you can sue the previous owner.

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What happens if you have a hole in your radiator?

Your car will leak anti-freeze/coolant. If you run out of fluid in your radiator then your car will overheat in a short period and cause much more damage. Fix your radiator!

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Why shouldn't one just stop making car payments and let the finance company repossess a car one can no longer pay for?

If it comes down to that you can't pay for it then you should call them and tell them to pick it up and repossess. There are consequences:1. This will be on your credit history, making it difficult for you to purchase anything on credit again.2. They will sell your car at an auction (often sold f...

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97 dodge I am getting no brake unless you pump it a hundred times and keep the pedal hard if you release you have no brake I am not leaking fluid started happening when you disconnected your 4x4 actua?

Pull all 4 wheels and inspect the brakes. Something came apart or broke in one of the wheels.

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Can you submit a claim for accident from three months ago if your truck was in your driveway with no one in it and someone hit it?

It depends on where you live! Each State has its' own insurance statutes, believe it or not! I worked 15 years as a claims adjuster in Florida. In that State, you sould do the following: 1. Report to police! 2. Report to your insurance Company. If you have collision coverage, it will pay for repa...

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Can you get your repossessed car back if you file Chapter 7 bankruptcy and start making payments?

You will have to ask your bank about that. They are in control now.

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What happens if DMV notified you the owner wants it but no one shows up?

they will put a warrent out for your arrest

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What happens if a car runs over your arm?

your going to lose that arm....

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What happens if the water has frozen in your car?

nothing, it will melt in spring

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What happens if your car payment is late?

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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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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What if you let your 18 year old drive your rental car and you have insurance?

That is probably a violation of your rental car contract and you can get in a lot of trouble for it, especially if something happens to the car. Your insurance company might not cover an unauthorized driver on a rental car, and if there is an accident, you would be held liable for all the costs a...

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