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Answered 2015-07-15 21:37:21

They can only LEGALLY repo your car IF you are in DEFAULT of the contract. That could be no payments, no insurance, using the car for an illegal purpose, ect. Is there any requirements in your contract that you may have not met? If you are NOT in default of the contract, call an attorney NOW. Good Luck

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Can they come on private property and repossess your car in Kentucky?

Yes they can even though it is on your private propery since you have no longer been making the payments the bank owns it and it is their property and they have the right to retrieve it

Can the bank repossess a vehicle even if the payments are current?

Not IF you reaffirmed the loan with the creditor.

Can they still repossess your car if you get caught up on the payments?

Depending on the state of residence, it is possible for a lender to still repossess your car if you get caught up on the payments. Certain states allow a lender to request full payment of an auto loan when borrowers fall behind, even if they have caught up on past due payments.

Can your truck be repossessed if you are using it for income?

Yes, your truck can be repossessed even if you are using it to earn an income, however, you can tell your creditor that you are earning money with your truck, and that if the creditor does not repossess the truck you will use that income to make payments on your loan. Of course, if you are not making payments, and spending all of your income on other things, then the creditor has no motive to let you keep the truck.

If you cosign for a student loan does it show up on your credit report before or after the student starts making payments?

It shows on your credit report even before they start making payments.

Took over car payments can they take it back even if i made car payments on time?

I assume you took over the payments after the other owner missed payments. If you are caught up on all the payments then there would be no reason for them to repossess the vehicle. You need to contact the lender ASAP to make sure everything is fine. Failure to contact the lender may create a bad situation.

Do you have to have insurance to repossess a vehicle in South Carolina?

No, you dont even need keys to repossess a car in South Carolina

Does a co-signer have legal rights to a vehicle if they have been making the payments?

Depeding on how the vehicle is titled you may have legal rights to the vehicle even if you aren't making the payments. However, in order to just get it titled in your name then you will need their consent if it's currently titled in both of your names. Very simple answer to all these questions. If your name is on the title, you can have the car. If your name is on the loan, you can make the payments. WHAT if BOTH names on tittle, reg and insurance, one is making payments but other is the strong credit that got bike and wants it back

If you have two car loans at one bank can the bank repossess both even?

Yes they can repossess everything that you got a loan for.

If the loan is in your name with a stepson as cosigner but he is not making payments on time can you repo the car?

Only the LENDER can repossess the vehicle. Is this stepson a minor? If so, you have parental authority to tell him he cannot drive the car. Even if he is over 18, if you are the primary on the loan, I'll bet your name is also on the title and if it is you can just take YOUR car.

If you make double payments for a year for the next year will you be required to make normal payments or can you get away with making no payments until the 3rd year?

You cannot skip a year even if you made double payments for the first year, the bank considers those payments extra and hopefully you made sure the payments went to the principle, not the interest.

If a car has a lien on it and is in a shop and been repaired can you go to the owner of shop and repossess even if the repair bill has not been paid?

NO. The repair shop has a lien also. Pay the bill.

If you are paying half of your car payment can they still repossess it?

My best suggestion is to contact your auto lender, and ask them the procedure for repossesions. Keep in mind that the bank can reposses your vehicle if you are 60 days late on your payments even if you attempt to only make half of your payments. Call them as soon as possible and work out a payment plan with them.

If you always make your payments but are usually late each month will they repo your car because of your history even if payments have been made?

No as long as you are making payments every month. Most lenders won't reposess a car until you are at least 90 days late. The truth is lenders do not want the car back. Make sure and contact the lender and explaine your situation and they may even work with you to help you get cought up.

Can lender foreclose if home value decreases and you re making your payments?

No. A lender can foreclose only if you default on your mortgage payments. There are probably tens of thousands of homeowners who are making their mortgage payments on time even though their property has decreased in value. If there is no default there can be no foreclosure. I respectfully disagree. Okay it must be noted that we do not know the details in the lender's agreement with the signatory. Therefore it is possible for a lender to initiate foreclose based on something within the agreement something in the contract that has been violated. A foreclosure can in theory occur if you are making your payments because often times that is not the sole condition in the lender's agreement.

Can you take possession of the car if the borrower stops making payments even though they have been paying for a year?

Only if your name is on the title, and only if the primary borrower defaults and the vehicle is subject to being repossessed by the lender.

If you are making some payments but not all can they still repossess your car?

== Repossession== If they are accepting payments - that will reflect negatively on them if they try to take you to court on a deficiency balance, however they have the right to demand full payment of the loan at any time and take the car if you don't pay. Also - if you are just sending in partial payments that doesn't mean they are accepting them. They need to agree to the partial payments and how long it will go on. You can't stop them from repo by sending in some money every month. More input from FAQ Farmers: * Yes, I have found out that if you are in default (even if you are attempting to make payments), the bank at any time, can repo your vehicle...unless otherwise stated in your contract.

Do late fees be used for repossession of a vehicle?

can you repossess a car for non payment of late fees even though the initial payment has been made in Colorado

Can a hospital turn you over to a collection agency after a year even if you have been paying on it and not missing any payments?


Can your leased car be repossessed because of no insurance even if you are up to date with your payments?

If the terms of the lease include the requirement that you must provide insurance on the vehicle, and I've never seen a lease agreement that doesn't, yes, they can hold you in violation of the lease and repossess the vehicle.

Can a lender foreclose on a property even if the mortgage payments have been kept current?

No but if a home owner is behind on payments and needs a loan mod or short sale approval, proof is available at

Can an Home owners association put a lien on your property even while you are making payments?

You are not clear about who you're making payments to: the mortgage company for your mortgage, or to the association to pay assessments that are in arrears. If you mean payments to make up arrears, and the association filed a lien on your title, review the agreement that you made with them about making payments. It's possible that filing a lien is part of your agreement in some way. Or, that the association has filed a lien against you in error. If you mean payments to pay your mortgage, and you are not paying your assessments, your association filed a lien to collect monies that you owe in past-due assessments. (You have to pay both: mortgage and assessments.) If your assessments are up to date, check with the board to better understand why a lien has been filed by the association on your title.

What can you do if you can't afford to pay for the car anymore and want to give it over and you can't even have it refinanced?

Whatever you do, do not allow this car to be repossess. Find someone who will take over the payments, even if you are upside-down on the loan and have to pay them something to do so. Defaulting on the loan will ruin your credit for 7 years and you will still have to pay the difference in what the lender sells the car for and the balance on the loan, plus repossession fees. A very, very bad thing for you. Do whatever it takes to avoid it being repossess.

Can you get a lien put on you for back child support even though you have been making payments..and never got papers for child support till now?

Yes, as payment made without a court order is a gift. see links below

What is a responsible use of credit?

Buying something on credit and making many payments on the account over months gradually paying down the debt. If you are seeking to build credit, then don't pay it all off too quickly as that doesn't establish a history of making payments. It takes at least 6 months of payments to even affect your credit report. Also, don't only pay minumim payments. You want to establish that you can be trusted and will not strecth yourself too thin.