The same way a loan company does, HIRE a REAL repo agency to do the job.
need approval from hair vehicle
They are not going to repossess a vehicle because you were rude. They can however repossess it if you miss just one payment.
Yes you can with the help of your attorney.
the lienholder can repo at anytime as long as there is NO breach of peace.
Do you have anything in writing??Cancelled checks???Your only recourse is to sue the individual who took your money.
YES, IF your paperwork is in order, you can agree on a price and the unit is accessable. repoman.com for Texas repo agents Please dont waste yours and the agents time with an EX-this, I want my car back thing.
http://www.capitol.state.tx.us/statutes/bc.toc.htm § 9.609. SECURED PARTY'S RIGHT TO TAKE POSSESSION AFTER DEFAULT. (a) After default, a secured party: (1) may take possession of the collateral; and (2) without removal, may render equipment unusable and dispose of collateral on the debtor's premises under Section 9.610. (b) A secured party may proceed under Subsection (a): (1) pursuant to judicial process; or (2) without judicial process, if it proceeds without breach of the peace.
In most instances when you get behind on your payments. The exact details of when the lender will repossess the vehicle is listed in the contract you signed when you took out the loan on the vehicle. Read your contract with the lender.
It is probably stated in your finance or lease agreement that if you don't make your payments on time that the finance company has the right to repossess the vehicle. Consider yourself informed. Long story short, if you don't want your vehicle repossessed you need to make your payments.
"Voluntary repossession" basically means you're telling the lienholder "Come repossess this; I'll make it easy for you." Since the lienholder has no interest in the property, that means they'll come take the mobile home itself (or you could take it to them), but the property itself won't be impacted except to the extent necessary to drive in a couple of tractors to haul away the mobile home.
Are/were you listed on the TITLE as leinholder? Do you have a written contract listing the vehicle as collateral? If no to these two uestions, you should call a local attorney NOW.
Yes. A charge off does not mean that the debt is not still valid and subject to collection by any means available to the lender.
Check your loan documents but they can if you are one day late. Most don't because they really want the money. Three to six months late on payments the REPO man will be looking for ya.