Are there laws that govern how much a consumer can be liable for after a repossessed vehicle has been auctioned?
As a rule of thumb, you will owe the difference.
If your vehicle loan was made in one state but the vehicle is currently in another state which state's repossession laws apply?
If a Chapter 13 takes your name off of the loan that you cosigned does it also come off of the title?
A co-signer is not usually on the title of a vehicle unless they are actually a co-borrower/owner. State laws govern how ownership of a vehicle is determined. A Chapter 13 is a consolidation bankruptcy, therefore the co-signer would not necessarily be relieved of the financial responsibility of the loan.
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 word for it, govern yourself accordingly, ha ha. But be careful! I assure you, it isn't being left there…
BK proceedings will stop repo. action temporarily. A car is a secured debt, whether or not the lender will let you reaffirm your loan is entirely their decision. Most will if they feel you are going to be able to honor the contract. Repossesion is ususally more aggravation than profit for the lender. There may be, however certain BK statutes in your state that govern how such actions are governed.