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If the creditor is the loan holder of the vehicle a lien is already in place. The title will show the loan provider as the primary lien holder. That insures the vehicle as collateral and if default occurs the lien holder can repossess the vehicle without going to court. Except in the few states that require the creditor to obtain a replevin order before seizing the vehicle.

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βˆ™ 2013-02-14 19:31:38
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Q: Can a creditor repossess a car without a registered lien or validate title?
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Related questions

Can a creditor repossess a car if the account is current?

not without legal cause

How many days do you have to be behind in your payments in New York before they can repo your car?

As soon as you have defaulted on the loan, a creditor can repossess your car. So 24 hours after you have failed to pay, they can repossess your vehicle without notifying you.

Repossession law in California?

Under California law, a creditor can repossess the vehicle if it is in default without notice, even if the car payment is one day late. However, if there is a co-borrower on the loan, the creditor is required to give notice before repossession.

Can they repossess your car when parked at a friend's house?

Maybe, it is not possible to give an exact answer without knowing the state of residency. States establish the laws pertaining to the repossession of vehicles and other such creditor actions.

What are the effects of release by the guarantor without the consent of creditor?

The guarantor cannot be released without agreement of the creditor.

Can a creditor still repossess a car for nonpayment if the title has been signed over in good faith without a lien?

Certainly, especially if you signed an agreement. Ethically, you do not own the car if you have not paid for it and the creditor deserves to be paid. It sounds like you are trying to take advantage of the other party. Figure out your finances and pay up.

What is the Reposession Law for Florida?

Generally, your creditor has legal authority to seize your car as soon as you default on your loan. Once you are in default, your creditor may repossess your car at any time without prior notice and may come onto your property to do so. However, the creditor may not commit a "breach of the peace" by using physical force or threats of force. If this occurs, your creditor may be required to pay a penalty or compensate you for any harm done to you or your property.

Can someone repossess a car without filing for repossession?


Can they repossess your car without warning you first?

Yes, at any time and anywhere

How long can you go without car payments before they repossess it?

Three payments

What if the collector ingnores a request to validate the debt?

Without valid debt there can not be liability. In amity.

Is it illegal to repossess a vehicle in Texas?

No, not if the contract is in default. The lender/lienholder may repossess the vehicle under UCC laws as long as it can be accomplished without a breach of peace committed

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