I am presently two months in arears in payments to the bank. I am presently looking for work with fairly good prospects How can I prevent reposession of my vehicle which is critical in persuing job search?
Yes, as long as there is no breach of peace. The repossession agent cannot break a lock or damage property. They can only recover the vehicle which is behind a fence only if it is accessible.
reposession
In Iowa, a breach of peace during repossession occurs if the repossessor uses force, threats, or enters a home without permission. It is also considered a breach of peace if the repossession agent behaves in a disorderly or aggressive manner that could lead to a disturbance of the peace. Any activities that result in a confrontation or disturbance with the debtor or others could be deemed a breach of peace during repossession in Iowa.
I'll take a guess, since you posted this under reposession: It's hiding a vehicle so it would be repossessed, done sometimes when people are behind in their car payments.
Blaster, they are required by law to HOLD your personal property for at least 30 days, 60 days in some states. State laws vary so check your state codes to be sure on the time limit. Usually, if you dont pick it up, you can find it a GOODWILL. Reposession of the the property you had a loan on is between you and the loan company. Reposession companies only have the right to store the repo'd property until you and the loan company have settled. Reposession companies DO NOT have the right to enter, take or damage the repo'd property and your personal property. If you have sufficient evidence that the Reposession company has done anything to both properties, you need to see a lawyer.
You will not be able to using credit, but if you have the cash you could go into a shop and buy one.
habeas corpus
No. Only when the vehicle is repossessed and always once the licence plates are turned in.
Often, the law is vague on this, and the reaction may come down to the disposition of the police department. However, it could be potentially seen as kidnapping.
The bill is due immediately after the finance company sells the vehicle and totals the cost of reposession.
It depends on the local state laws. Most of the time, nothing unless the repo agent finds it or the court issues an order for the person release the vehicle to the agent.