You purchased a car with your husband as joint signer He left taking car Is not making payments Is hiding You want car repoed. If lender cannot find car to repo what could be the consequences?
Wow...it's good to know I am not the only one! I co-signed for a truck and we got divorce. He was awarded the truck and was to put it in his name. He never even attempted to get a car loan in his name! He did not make payments and they repo'd the truck. They could not find it and since my name was on the loan (lease) first they called me. I actually tried to help them located the truck. Finally, after 4 months they got him. Trust me, they will find him!
NOT legally. That's Larceny of the GRANDEST degree.
Yes. If there is a deficit in amount owed and what the vehicle is sold for, the borrower can be sued for any outstanding loan balance plus legal fees and other charges. Only the terms of the lending contract is relevant, not the issue of whether or not the borrower informed the lender that they w...
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.
finding people who dont want to be found is the repomans job. MOST of them are VERY good at it too. good Luck on hiding the car. Remember, cars dont just fall off the face of the earth. Someone knows where they are.And usually will tell if the price is right.try stoptherepoman.com, I found it and...
Is it true that a lender cannot put a repo on your credit if the car is being repossessed at a repair shop having actual repairs done?
Gina, if the repoman picks it up. its a REPO. Ya cant hide the car in a repair shop.
It is an act of control and disrespect for your personal boundaries and, as such, yes, it is abusive.It all depends on the situation. If you are really angry or have been drinking then he should take the keys. If he is abusive verbally and you just want to get away from him, yes it is a form of a...
If you are 45 days behind on your car payments and have moved and not given the lender your new address can they come after you and can you be jailed for hiding the car?
If the lender wants the car back and doesn't think you are going to pay because you have moved, they can find you in much less than 30 days. Look at it from the lender's viewpoint: you're 45 days late, moved, left NO forwarding address, no way to contact you. WHAT does that look like to you?And, ...
What you're describing is called a "voluntary repossession," and yes, it's still a repo. The advantage is that you avoid the repo fees ($350 is about average), because the lienholder doesn't have to hire someone to go out and take the car. But it will still show up on your credit.You may, dependi...
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...
Can a lender under NY law repo your car if you finish your payments but did not pay late charges totaling 176?
Well yes. Because you still legally owe on the car. Just pay the 176 and be finished with it.
If you haven't been making your payments for a few months, you can pretty much bet your car is one the list.
A lender filed at court to repo your car but since the account has been made current with 20 payments left will they withdraw the motion do they want the car or the money?
In most cases they want the money. The car's value if resold and the borrower's ability to pay any deficit could play a part in their decision. If the borrower can convince the lender they can fulfill the agreement, the lender will more than likely withdraw the filing.
It depends on your state laws what it is called.Usually not called 'auto theft" but isn't that what it amounts to?Here is a NC law I had open at the time.§ 14-115. Secreting property to hinder enforcement of lien or security interest. Any person who, with intent to prevent or hinder the enforceme...
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...
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...
How can you find out where your repossessed car is being kept if lender will not tell you so you can get personal things out of the car?
LaTonya, it seems unlikely that the lender would refuse to let you get your PP UNLESS you are wanting something unreasonable(strip the car???) Even so, a call from an ATTORNEY should change the program.FL - repo agent has to inventory the car and send a "notice of siezure" of PP then you have 45 ...
If filing Chapter 7 including a car that will not be reaffirmed should you contact the lender for a voluntary repo or wait until they contact you?
It would be simpler for all parties if you contact them and voluntarily surrendered the car at the lender's discretion. Although you do not legally have to reliquish any property until the BK is discharged.How much time do you want to buy? The court will tell you what to do if you don't contact t...
Yes a vehicle can be repossessed if the loan is not being paid on.
Can you legally repo a car in the state of GA if you sold it to a friend who is not making his payments?
You wouldn't exactly be "repoing" your OWN car, now would ya? As long as you are on the TITLE as owner or c-owner, go get your car. Be ready when they call an attorney. Have some kind of proof that they are in default of the agreement.
If a repo man tries to take your car but does not get it and you pay the payments up can he charge you 310 for trying to get the car?
READ your contract. What does it say about paying any fees necessary to "collect" the account"? that is prolly cheaper than assigning the account to a CA.
Bad starter, bad starter solenoid, or the problem might not be the starter at all.
Were your rights violated in Arkansas if you went outside and found the back end of your car hooked up and you jumped into the car and told the repo man he could not take your car?
That depends on what happened next. You forgot to tell that part.Was the lenders rights violated today too?? Does the lender have a right to expect YOU to do what YOU said you would?? Should they expect you to pay the payments? Who violated WHOM first???
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...
What do you do when husband and wife are divorcing wife owns a car husband will be driving during the separation but refuses to make the car payment as promised?
If the wife refuses to make the car payment, then it should be up to the husband to pay for it. After all, he is the one driving it. If the husband won't make the payment, the wife should take the car back. That's only reasonable. The husband shouldn't expect the wife to pay for him.. He's a grow...
Is it true that when you are behind in car payments and they have not been able to find the car to repo it the lender can file charges for theft?
It is true but not likely. The normal is to file a writ of REPLEVIN. The court has the sheriff come to get the car or YOU if you cant/wont produce the car. Just give it up and avoid all the extra charges ect.
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...
If someone is subleasing your car and hasn't been making payments can you have a repo agent get the car and could the subleaser sue you if you do?
READ your contract. Sub leasing might put YOU in DEFAULT. Is the lease in writing???Is YOUR name on the title? IF so, go get your car.
NO. Cosigning means the person is promising to be responsible for the debt if the primary borrower defaults.
Can your cosigner repo your car if you are behind on your payment but not in trouble with the financial institution?
Amanda, if you are behind on the payment, youare "in trouble' with the lender. you are in default and could be repoed by the lender at any time. they just havent pushed the issue YET. Co-signor can only 'repo" IF they are listed as co-owner on the TITLE.
I just brought a used car from a friend of a friend I have the title but can not get in touch with the guy to sign over the title what can you do if you can not find him?
I would copy as appears on bill of sale. It's a rubber stamp-legally whoever has title in their hands owns it which is why you never put them in the car.
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...
What if your dad wants to use your social security number to buy a car you are 20 and his credit is bad. If he cant make the payment will anything else happen besides affecting your credit?
You should never give your social security number to anyone, reguardless of their intentions. If they misplace that number, the damage can be irreperable. If you are 20, you likely have no credit, and sad to say, likely have no understanding of how bad credit can affect you. It's a bad path, I wo...
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
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.
Your husband and you are separated he and your son n law are on a title your son n law wants you to take back possession since payments are not being made how do you do that without getting into troub?
You cannot do it. The contract was made (and presumably signed) by your husband and your son-in-law. You took no part in the transaction, therefore you have no legal "standing" in the matter according to law.
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
What do you do if the finance company threatened to take your car because you were having trouble with payments but now you're ready to give the car back but they don't want to take it?
You cannot just "give" the vehicle back to them. If you cannot continue paying for the vehicle they will continue to threaten you trying to get their money back from you. When they see that it is hopeless they will repossess the vehicle and auction it off. I haven't read your contract, but probab...
If live in Indy in your car is going to be repo and ihave not got any the in the mail can they come take your car?
Of course, the bank has the right to take it if you are not making any payments.
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...
If you are behind 60 days your the bank says pay to day or it will be repoed you tell them you can make 3 payments a week from now Can they take the car if you get them the before the repo?
Most people dont know you can ask to pay just the intrest on your car note you can do this three times at most any finance co. Just ask and as long as they dont find the car they cant pick it up but it will take them a little time to go to court and have you turn it over. Get your agreement in wr...
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
Possible battery, starter, relay or wiring issues Peobably a dead battery. You can jump start it and let it run to see if it will charge back up. if something was left on, it may be fine. Other than that, check the cables to see if they are corroded. check to see if anything else works like the l...
If you are selling a car and the purchaser is paying payments on the car can I be lien holder until they pay the car off?
If the car is still financed then that financier would be the lien holder. If you already hold title then you could technically be the lien holder and keep the title until the buyer pays it off but you would be held responsible for any registration related charges while it's still in your name.
You bought a car with gmac through finance after one month you realized that you made a mistake as you could not afford to meet the monthly payments what should you do?
First see if you can get the vehicle financed for a longer period of time, thus lowering your payments. If you can not do that then call the finance company and see if they can help some other way. Last, you may have to give the vehicle back.
If your mom is a cosigner on your car and they repo hers can they legally repo mine as they are claiming mycar payments are current but your mom is 3months behind you reside in Arizona?
Look at the contract. It may have verbage stating if you are in default on 1 note, you are in default on others. If so, yes. It's legal in Michigan if the note allows so in the default section.
Because we are greedy and don't care about you or anyone else.
If you have not made a payment for 9 months and told the lender to come and get the car but they haven't is it illegal for you to drive the car?
NO, its not illegal. If you really want the car repoed, take it back to the lender and leave it in their parking lot. It is costing you HIGH interest and late charges to keep driving the car. Good Luck
Is it considered a repossession if you take the car back before the first payment is due because the dealer lied about what he would do to the car and how many miles were on it?
Charlie, if you signed a contract promising to pay X number of dollars for X number of months and dont pay, then the collateral will be taken back and considered "repossessed". Doesnt matter how the collateral gets back to the lender. Its a businness deal.
What happen if have car loan with a bank an you no longer need that car because the monthly payment is high can you take you back an get less one an will you continue with the same bank?
No, you are obligated to pay the loan you agreed to. If you give back the car (a voluntary repo) it will seriously affect your credit.
If a car is left at a repair shop and when you go to pick up your car the owner saids that he released your car to someone you do not know?
Hey! It's Candymusic! Yoga yoga... you need to get your car back! You can also definently sue...
If you live in Texas and have two cars financed by the same dealership and you haven't kept up with payments on one of them can they take the one that is current on payments?
Read the fine print. Often default on one loan can be cause to call in all loans. If the loan was called, (meaning that you either pay it all off right now or forfeit the car) and you didn't pay off the loan, then they can do exactly what you described.
If you live in Texas and have two cars financed by different banks and you haven't kept up with payments on one of them can they take the one that is current on payments?
Don't know for sure about Texas, but in my state of Ky, they will repossess, the car the default loan is held on. They have no legal right to take the car that is not in default. You do not want to have your car repossessed. Talk to the lender and work something out, even if you have to sell one ...
If you stop making your car payment while waiting for your chapter 7 bankruptcy to be discharged how long until your car is taken from you and will you be able to get another car?
It is up to the creditor to file a motion for relief from stay in order to take back the car. Your ability to buy another car will only be limited by your ability to find a willing seller and a willing lender.
If your car payment is not due until the 30th of the month but the bank wants it ASAP can they do anything if you wait until the 30th?
Did the bank give any reason WHY they wanted it in by the 23rd? Did they just pick your name out of a hat and say" Lets make Jane Doe pay before the note is due"? Doesnt make sense, does it?
What could be wrong with a 1.8 liter 1994 Plymouth Colt if when you stop at a light your car will not move in drive or reverse if your linkage is attached?
Normally it would be one of three things.... ONE- tranny fluid too low TWO- Torque Converter Three-(worst case) bands in the transmission worn or out of adjustment
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.
Should you see if your bank will repo your car as you just can't keep making the payments and when you do they are late you have had the car for 4 month now you know it will make your credit bad?
I need to know how long does it take the bank to repo your car if you are 2 payments behind. Can I make arrangements to make a payment next week
What is the process if you do not want to renew tags in Missouri on a car that is going to be refurbished over time and the car is not drivable?
You simply don't renew the tags and registration. When it's ready to be driven again, then you go and get the tags and registration for it.
How late does a car payment have to be before they can repo it your paymen is a 1week and 2days let but you was told if they did not it your car payment today by 12n you would go to jail and report it?
it really depends on If you had a title loan or by here pay here by the week,byweekly,or monthly or If your car is financed with a financial institution. title loan laws: if your two weeks behind they can repo you If your supposed to pay weekly If your supposed to pay every two weeks then it take...
What do you do if a car being repossessed or considered stolen is on your property Do you call a Repo Guy and if so where do you find this information?
1)get the Vin # the vehicle identification number 2)call the police and ask them to run the Vin they should be able to tell you if it is stolen or not and what to do next
If you have a car that everything is in your name but the loan says your the co-signer and now the buyers are making payments what are your rights and theirs to that car and can they take the car?
You are confusing me. If everything is in your name, how can you be the co-signer and not the primary borrower, and where did the "buyers" come in? Are you, perhaps 16-17 years old and your parents took away your driving privileges?
What could be the problem if water is coming out from underneath the car and it keeps overheating and as soon as you fill it up it pours out?
let's start with the cheapest problem.a loose or broken hose. moving along to another possible problem a hole in your radiator. or kind of a bad $$$$ problem, a bad water pump. it can alson be a rusted/broken freeze plug ($0.50 a plug)plus labor and the damage you don't want it to be a craked eng...
If the car does not start and the lights and horn works and there is no clicking sound when you turn the key could there be a problem with the starter?
Try removeing the battery connections, and cleaning them. Often, the symptoms you describe occur when the battery connections have corroded. use jumper cables and another vechile jumping to your battery, if it starts, then it is battery related
Can you be charged with a DUI in Colorado Springs CO if the police did not witness the car being driven and the car is off with keys out of ignition when police found person in car?
I cant speak for Colorado, but most states have the same wordage in their law. The state's burden is to prove a person had "control" of a vehicle. If you are in a car with the keys in your pocket, under most state's laws, you are in control of the vehicle. In some states if you are passed out dru...
Car is not in your name you had your ex-fiance put it in his name you make payments your name is on file as the payer they don't have your info They have a prev address for you can they find the car?
Yes, you have a tag on the vehicle. If you owe money on the vehicle and don't pay, they contract out to a repo man that will find the car.
If there are 3 years left on a Chapter 13 on a vehicle only and the car is starting to break down can a new car be purchased or are you out of luck?
This question is so fact-specific that it defies an easy answer. Under most circumstances, I would say "yes," you can buy a new car. To buy a new car in Chapter 13 (or to finance anything for that matter), one has to request permission from the Court PRIOR to the purchase by filing a "Motion to P...
I cant afford the Insurance right now. can you take a loan car off the road im still paying for it im not going to drive it for a while im still going to make the payments is this possible?
The answer depends on a lot of things, including your state laws and the terms of your loan contract.Most states require a vehicle's owner to carry liability insurance if the vehicle is being driven on public roads. Often, you can take your car "off the road," by turning in its license plates and...
Who is liable if you left your front car opened while you were parked at apartment complex and not near your car and someone comes by and hits itI was blocking the other lane with your open door?
In all actuality, you both were. But it'll be a matter of haggling between the two insurance companies.
What could be the problem if on a 1996 Honda Accord the engine acts like its not getting enough fuel but only when the car is doing about 40mph at 1800 rpm in 4th gear with an automatic transmission?
To start with, do change your fuel filter right away.If that does not help ,I would scan the computer for codes; I suspect your car does have a lean condition.
What could be wrong if a 1996 Pontiac Grand Am hesitates and bogs down accelerating then after the car is off it will not start for at least an hour then runs rough with no power?
dan is this a 4 cylinder?quad 4 by chance ,does it misfire,if so it could be the "DI" direct ignition on top of the valve cover or the module that is attached to it,also ispect coolant temp sensor but that doesn't sound to likely,if you get this throw up some more info.There is no such thing as c...
If your car is repo and in less than 24 hours you pay to get it out and the radio not factory installed gets stolen out and other personal items can they be sued?
Yes, the party that repossesed the auto has a liability for its contents and safe being. Teh problems being firstly: proving the items were in the car at the time of respossession, and secondly, proving that the repossesor of the auto was irresponsible in storing the auto after they took possession.
Your new car had a problem with the trunk latch and has been back to the dealer twice for repairs and still is not fixed can you make them take the car back?
"Your new car had a problem with the trunk latch and has been back to the dealer twice for repairs and still is not fixed can you make them take the car back?" This is such a minor problem, they should be able to fix it! Or replace it! The part that is. If you like the car, it doesn't make sence ...
My Dad's car has sat for one year because he died I bought a new battery so I could start it upn occasion because it is not registered to be driven yet The battery is now dead but takes a boost.?
How often do you start it? Newer cars should be started at least once a week to maintain a charge on the battery (the computer drains a little all the time to save its memory). Have the battery fully charged, then try starting it once a week to see if it will work fine then. Good Luck!!!
1993 Mazda Protege you have just started has intermittent stalling issues with the car sounds as if it is not getting gas then it sits after about 10 mins and fires up It stalled on after stopping?
I have a '93 Protege DX that was having this same problem. I found that if you pull the top off the airbox and clean the sensor inside the problem goes away. Also make sure that the airbox and all lines coming from it are secure and have no leaks.
Do people steal the gps system included with accura tl should you buy the gps or not bc it's stolen is it worth anything if it is stolen from your car can it be tracked?
Yes, it can be tracked. Just call the manufacturer with the gps system's serial number or the car manufacturer to get info on the gps system.