How can you find a company that would buy out a loan for a repossessed car in New York?
Is it wise to get a home equity loan to buy a new car?
Answer No. Home equity loans are revolving credit lines. In simple terms,that means you could pay on that for three years and not even touchthe principal. I wouldn't do it. Maybe rolling it into aconsolidation loan if you have enough equity in your home, but nota HELOC. Answer No. You want to avo…id "institutionalizing" your debt. In otherwords, you don't want to spend 15 years on an equity loan payingfor a car that you might only have 5-6 years. It really depends onyour personal situation. If you have lots of equity in a house, andthe monthly payments aren't too much, and you expect that the housewill continue to appreciate etc. then MAYBE. But what if interestrates rise (equity loans are usually directly tied to the fedrate), or the housing bubble bursts - then you are stuck with thosepayments forever. Upside is that the equity loan is tax deductible,car loan is not. Do the math! ( Full Answer )
How do you find out if a car you want to buy is being repossessed?
Simple. Ask to see the title. If it has the name of the person selling it, he/she has full ownership. If it has a bank name or another name on it, or they cannot produce the title don't touch it.
Can a car be repossessed after dark in New York?
In most states they can repossess anytime of the day. More often they will repossess while you are at work. This way you won't see it happening, they are in a public place, and if you do catch it its less likely a scene could be caused. And yes of course they know where you work. You disclosed …this info when you took out the loan. Even if you change jobs they will find out. Repossession companies employ specialists who do nothing but find out what you do not want known, such as employment, banking, additional property and storage locations, family connections, and their information. ( Full Answer )
Where can you get a loan to buy back your car that was repossessed?
Answer .
Mike, that depends on how great your credit is. A repo on your record is NOT going to help. Any interest rate you get will be HIGH because of your credit rating.\nWith a decent down payment you can always get a ride at a buy-here-pay-here car lot. Good Luck.
Can a loan company take a newly financed car in your name as collateral toward the balance of a loan for a car that was repossessed a few years ago?
Nelson, they would have a couple of real goofy options.1. they could refinance the new car and include the balance of the old loan for a HUGE total.2. they could be the SECOND leinholder on the new car somehow. I guess they would have to loan you money to pay the old balance and take the new car as …collateral.Neither of these options look realistic, but who knows?? ( Full Answer )
How do you pay back the loan company after your car has been repossessed?
%DETAILS% nan, it depends on what you and the LENDER agree on. You agreed to pay them so much a month before and didnt manage to do it, sooo they will be tougher the next time around. I got a different loan to pay off the first loan, the interest was a little higher, but I figured I would still owe… the first lender the difference of what the car was sold at at action. (Car was worth 16k, they would prob auction for 10-12k.) I would be held liable for the differnce. I would still be out a few thousand dollars, but at least this way I would have a car. ( Full Answer )
Can you stop paying car insurance on a car with blown motor and continue to pay off loan to avoid voluntary repossession in New York?
If your loan agreement requires you to carry ins (most do) and you drop it, then you will be in default of the contract. You better make SURE the payments get to the lender PROMPTLY so they dont take a second look at your record when the ins. co. tells them you dropped the ins.
What do you do if you owe money on your car and want to have it repossessed but the loan company will not?
Answer .
Maybe it doesnt meet the loan cos. repo specs?? (not running,wrecked,ect) Do you know where their office is? Is it lcal? If so, take it to them and leave it in their parking lot. If they dont have a local office, call atowing co. to come get it,they can handle getting it repoed. OR leave… it at the city PD parking lot.. ( Full Answer )
If your car is damaged while it is being repossessed who is liable for the damages the loan company or the repossession company?
The LENDER is responsible for every detail of a repossession. They may pass the costs of repair on to the repo company.
When your car is going to be repossessed can you be arrested if the loan company can't find the car?
%REPLIES%.
Answer .
Under some circumstances, YES. Do you really want to go to jail for a car???? WHY cant they find a car YOU are supposed to be driving and paying for??.
Answer .
NO, you cannot be arrested....UNLESS, there is a "Writ of Replevin" (court order) that you must at that time tu…rn the car over or tell the lender where the car is. \nWithout the court order it is a civil matter and you CANNOT BE ARRESTED.. ( Full Answer )
What can you do if your car loan was sold to a different finance company and the original company repossesses car without grounds to do so?
Answer .
Contact a local attorney and have your paperwork ready. If theres a dollar to be made, they will tell you quickly. Dont be surprised if you find out the ORIGINAL lender had to take the loan back when you were in default. Its called 'recourse"..
If a car was paid for and then you took out a title loan against it for twice the vehicle's value can the title loan company repossess it?
Why would they NOT be able to repo a car they purchased the title to? READ your contract.
If your car was repossessed in 1996 can the loan company put it back on your credit report in 2003?
Call a local attorney for state/case specific advice. Contact the credit reporting agency Yes if they are trying to collect what the Upside down difference was from Repo-ing it and auction off price. It should only read that it's a Debt being collected from previous car....
Can a cosigner of a car loan that has been repossessed get a lien on his house by the finance company?
AFTER the lender gets a JUDGEMENT, there are other legal options available to the lender. A lien on other property is one of them. This is MAJOR the drawback to CO-SIGNING. Answer Unlikely even though they threaten to especially if the deficiency is less than $10,000. Most lenders will run the ma…ker down and garnish or levy but if all else fails they may try to tap you for some of it. Def's are hard to collect consuming resources of the lender including POOP money ( paid out of pocket ) labor, time, Attorney fees etc.. Most would rather have a payment plan with prompt payments. Then you can beatup the maker every month for the payment or at least some of it. ;) HOWEVER, as co-maker, your credit, income, ability and willingness to pay and assets may be evaluated and the def pursued. Best bet is to protect your credit and pay the car off, sell it for whatever to recoup some of the $ and take your hit. You can post a note on your credit report explaining the late payments. ( Full Answer )
How hard is it to get a new car loan after a bankruptcy repossessed car has been taken?
Answer .
I have friends that have had cars repoed and they and went bankruped and got a car,new in less than a year. I guess they figure you owe no one any money and they have 7-20 years before you can file again..
Answer .
\n.
\nIt's not hard at all. The only thing is you will pay a higher …interest rate. But you can still get a brand new car. Just make sure you can make the payments and try to pay it off early. That's a way also of starting up a new line of credit. ( Full Answer )
In New York State can a lender repossess a car even if it's current when you are in default on another loan with the same creditor?
Answer .
It depends how are you in default.... is it because of insurance coverage??Need\na little more info here to give you a better answer.
In New York State can a lender repossess a car if it's not delinquent and has proper insurance even when you are in default on an unsecured loan with the same creditor?
Answer .
\nYou need to contact your Attorney General about this one. You will get the correct answer based on NY law..
Answer .
\nRead your contract it should state if there is any "linkage" between the loans.
Can you junk a vehicle without title if the loan company refuses to repossess the car?
Answer .
ONLY if you can find someone to buy it without a title. NO buyer, NO seller.
Who pays the loan if a car is repossessed?
Answer .
The one who BORROWED the money and/or the on who COSIGNED the loan.
Is a car loan company allowed to repossess and put a hold on your bank account then over draft it in New York?
Partial answer .
What did you sign? Do you have copies of all the paperwork you signed and that was ever associated with the loan? They repossessed the car, and then put a hold on your account? Generally an ACH (if that's the way it was done) has to have your signed authorization to do a wit…hdrawal, which is why it's important to know what was signed. ( Full Answer )
In New York State does a car loan company have the right after a car has been repossessed to freeze and over draft your bank account?
Answer .
You need to read your loan agreement very carefully you may have given them that right.
If you are late on your car payment can they repossess it even if neither you nor the loan company has a title?
Answer .
\nYes it's their car you signed a lease they don't need a title to repossess their car. Title or no title they look up that information and have it mark on that title that the car was repossessed
If you are a co-signer on a car loan and the car is repossessed are you given the option to buy the car yourself before it is taken to auction?
Answer .
no you do not get to puchase the vehicle before it is auctioned the loan company will have tried to contact you to make the payment it would then be up to you to get the car from the other person by way of repossessing it yourself through small claims court
If your car is going to be repossessed is it legal for your loan company to report it stolen if they do not get your address?
Answer .
\nyes.
Answer .
You are obligated, under the terms of the original loan, to keep the lending instittion informed of your current address or where the vehicle is parked at night if it's not at your home. Once the lending institution has taken the paperwork to the courts and received… a judgment, the vehicle is theirs and anything you do to prevent them from getting back their vehicle is considered theft.\n.
\nTo save yourself a lot of trouble, just pay off the note and demand the title, or give them the vehicle. ( Full Answer )
What are the chances of getting a new car loan after a repossession?
Answer .
\nit depends on how long the repo and you interest rate will be real high
Can you get a personal loan after a car repossession?
You might be able to get a personal loan after a car repossession.However, you would get the loan at a very high interest rate onethe repossession is on your credit report.
How can you get out of a car loan without a repossession?
Answer .
Sell it for what you owe if it is possible. Pay off the loan, get the title and sign it over to the new buyer. If you cannot get what you owe, then get as much as you can. Get a personal loan from the bank to pay of the remaining balance. The personal loan is better than the amount you …owe on the car. ( Full Answer )
Where can you find a repossession company to repo a car?
My company does repos in the state of Virginia. If you are not "here" all you have to do is call the local towing companies and ask about rates and fees. If you need to get in touch with me please do so at:.
serv-671456061@craigslist.org
Will you be able to buy a new car if you let them repossess your current car?
Answer .
\nYou will not be able to immediately buy a new car if you are financing it because it will be difficult to get a loan. After some time has passed you should be able to get financed with a higher interest rate.
Who can you find in New Jersey to buy off a car loan if your driver's license was turned in to the court for legal reasons?
Answer .
Your best bet is to place an ad and sell the car. That, or sell it back to the dealership.
What are the repercussions if you have a title loan out with a company and your car gets repossessed and can this affect your credit?
Answer .
Any type of monetary loan agreement you enter into makes you liable to the terms you signed on for. The car being repossessed is not a good thing. More than likely they will report you to the 3 top credit agencies and a mark will be on there in a number depiction to indicate how many ti…mes, months and amount defaulted on. You will likely have problems getting decent credit in the future with low rates and dont be surprised if your turned down for any credit, either.\nWell, this is my advice, create a budget for your finances, stick to it, live within your means, \npay for items cash so you dont create more credit and see if there are any seminars in your area\nfor financial planning or how to live moderately. ( Full Answer )
If you car is damaged while it is being repossessed who is liable for the damages the loan company or the repossession company?
Answer .
Sue them both, plus the driver, plus their respective insurance companies, and let the court find them "jointly and severally liable," so you don't care which one of them actually has to pay.
Will a loan company work out a payment plan with you after they repossess your car?
Answer .
Almost always. They want you to pay them, they don't want the car. If it hasn't been grabbed yet you might want to voluntarily surrender the car and work out a deal. After it has been repo'ed you are going to have some ugly fines or fees (someone has to pay the repossessor). Best of luck…. ( Full Answer )
How late does your car loan have to be for a repossession?
It varies bank to bank and also depends on your credit history and history with that lending institution. If you keep the communication lines open they will wait but only if you don't break any promises you make to them. If I had to give a time range I would say that an aggresive bank would begin re…po when you hit the 90 day delinquent mark and a lenient bank would wait another 30-60 days later. ( Full Answer )
If you defaulted on a car title loan how long does the company have to repossess it?
In the state of SC, most title loan companies will wait for 30 days. After the 30 day mark, your vehicle can be repossessed from your home, job, parking lot or even at a gas station while you are refueling. The repo company they use, will usually be very aggressive and have been known to make threat…s, which they can follow through with. Calling an officer to assist them, dragging your car away, tearing it up. Unfortunately, it is now legally theirs. They can flip it on it's side and drag it if they want to. ( Full Answer )
Where can I find the Cheapest New Car Loans?
There are many online sources who provide car loan at low interest rates, try to contact them and you can resolved your problems from your home.
Where in Western New York can you buy a repossessed car?
First off buying a repossessed car is a horrible idea. You are buying a car that someone could not even make payments on. Do you think they took care of this vehicle? Do you think it was serviced regularly, the oil/filter were changed, and anything else necessary was done. More than likely the car w…as neglected and just driven. Unless the car as very low mileage, these cars are usually run to death. You can wear a car out in short order if you neglect it and drive it as though you know you are going to loose it. Saying that, if you insist on buying one, contact the lenders in your area and ask about their repo cars and when/where they will be sold. ( Full Answer )
How long does the finance company have to find a car that is to be repossessed?
As long as it takes..
When you finance or lease a vehicle, your creditor holds important rights on the vehicle until you've made the last loan payment or fully paid off your lease obligation. These rights are established by the signed contract and by state law. If your payments are late or you defa…ult on your contract in any way, your creditor may have the right to repossess your car..
Talking with Your Creditor It is easier to try to prevent a vehicle repossession from taking place than to dispute it afterward. Contact your creditor when you realize you'll be late with a payment. Many creditors will work with you if they believe you'll be able to pay soon, even if slightly late..
Sometimes you may be able to negotiate a delay in your payment or a revised schedule of payments. If you reach an agreement to modify your original contract, get it in writing to avoid questions later. Still, your creditor may refuse to accept late payments or make other changes in your contract and may demand that you return the car. By voluntarily agreeing to a repossession, you may reduce your creditor's expenses, which you would be responsible for paying..
Remember that even if you return the car voluntarily, you're responsible for paying any deficiency on your credit or lease contract, and your creditor still may report the late payments and/or repossession on your credit report..
Seizing the Car In many states, your creditor has legal authority to seize your vehicle as soon as you default on your loan or lease. Because state laws differ, read your contract to find out what constitutes a "default." In most states, failing to make a payment on time or to meet your other contractual responsibilities are considered defaults. In some states, creditors are allowed on your property to seize your car without letting you know in advance..
But creditors aren't usually allowed to "breach the peace" in connection with repossession. In some states, removing your car from a closed garage without your permission may constitute a breach of the peace..
Creditors who breach the peace in seizing your car may have to pay you if they harm you or your property..
A creditor usually can't keep or sell any personal property found inside. State laws also may require your creditor to use reasonable care to prevent others from removing your property from the repossessed car. If you find that your creditor can't account for articles left in your car, talk to an attorney about whether your state offers a right to compensation..
Selling the Car Once your creditor has repossessed your car, they may decide to sell it in either a public or private sale. In some states, your creditor must let you know what will happen to the car. For example, if a creditor chooses to sell the car at public auction, state law may require that the creditor tells you the date of the sale so that you can attend and participate in the bidding. If the vehicle is to be sold privately, you may have a right to know the date it will be sold..
In either of these circumstances, you may be entitled to buy back the vehicle by paying the full amount you owe, plus any expenses connected with its repossession (such as storage and preparation for sale)..
In some states, the law allows you to reinstate your contract by paying the amount you owe, as well as repossession and related expenses (such as attorney fees). If you reclaim your car, you must make your payments on time and meet the terms of your reinstated or renegotiated contract to avoid another repossession..
The creditor must sell a repossessed car in a "commercially reasonable manner" - according to standard custom in a particular business or an established market. The sale price might not be the highest possible price - or even what you may consider a good price. But a sale price far below fair market value may indicate that the sale was not commercially reasonable..
Paying the Deficiency A deficiency is any amount you still owe on your contract after your creditor sells the vehicle and applies the amount received to your unpaid obligation. For example, if you owe $2,500 on the car and your creditor sells the car for $1,500, the deficiency is $1,000 plus any other fees you owe under the contract, such as those related to the repossession and early termination of your lease or early payoff of your financing..
In most states, a creditor who has followed the proper procedures for repossession and sale is allowed to sue you for a deficiency judgment to collect the remaining amount owed on your credit or lease contract..
Depending on your state's law and other factors, if you are sued for a deficiency judgment, you should be notified of the date of the court hearing. This may be your only opportunity to present any legal defense..
If your creditor breached the peace when seizing the vehicle or failed to sell the car in a commercially reasonable manner, you may have a legal defense against a deficiency judgment. An attorney will be able to tell you whether you have grounds to contest a deficiency judgment..
Remember this repossession will stay on your credit for 7 years. ( Full Answer )
After repossession and the company sells the car do you have to pay the balance on the loan according to Iowa law?
Yes..
When you finance or lease a vehicle, your creditor holds important rights on the vehicle until you've made the last loan payment or fully paid off your lease obligation. These rights are established by the signed contract and by state law. If your payments are late or you default on your cont…ract in any way, your creditor may have the right to repossess your car..
Talking with Your Creditor It is easier to try to prevent a vehicle repossession from taking place than to dispute it afterward. Contact your creditor when you realize you'll be late with a payment. Many creditors will work with you if they believe you'll be able to pay soon, even if slightly late..
Sometimes you may be able to negotiate a delay in your payment or a revised schedule of payments. If you reach an agreement to modify your original contract, get it in writing to avoid questions later. Still, your creditor may refuse to accept late payments or make other changes in your contract and may demand that you return the car. By voluntarily agreeing to a repossession, you may reduce your creditor's expenses, which you would be responsible for paying..
Remember that even if you return the car voluntarily, you're responsible for paying any deficiency on your credit or lease contract, and your creditor still may report the late payments and/or repossession on your credit report..
Seizing the Car In many states, your creditor has legal authority to seize your vehicle as soon as you default on your loan or lease. Because state laws differ, read your contract to find out what constitutes a "default." In most states, failing to make a payment on time or to meet your other contractual responsibilities are considered defaults. In some states, creditors are allowed on your property to seize your car without letting you know in advance..
But creditors aren't usually allowed to "breach the peace" in connection with repossession. In some states, removing your car from a closed garage without your permission may constitute a breach of the peace..
Creditors who breach the peace in seizing your car may have to pay you if they harm you or your property..
A creditor usually can't keep or sell any personal property found inside. State laws also may require your creditor to use reasonable care to prevent others from removing your property from the repossessed car. If you find that your creditor can't account for articles left in your car, talk to an attorney about whether your state offers a right to compensation..
Selling the Car Once your creditor has repossessed your car, they may decide to sell it in either a public or private sale. In some states, your creditor must let you know what will happen to the car. For example, if a creditor chooses to sell the car at public auction, state law may require that the creditor tells you the date of the sale so that you can attend and participate in the bidding. If the vehicle is to be sold privately, you may have a right to know the date it will be sold..
In either of these circumstances, you may be entitled to buy back the vehicle by paying the full amount you owe, plus any expenses connected with its repossession (such as storage and preparation for sale)..
In some states, the law allows you to reinstate your contract by paying the amount you owe, as well as repossession and related expenses (such as attorney fees). If you reclaim your car, you must make your payments on time and meet the terms of your reinstated or renegotiated contract to avoid another repossession..
The creditor must sell a repossessed car in a "commercially reasonable manner" - according to standard custom in a particular business or an established market. The sale price might not be the highest possible price - or even what you may consider a good price. But a sale price far below fair market value may indicate that the sale was not commercially reasonable..
Paying the Deficiency A deficiency is any amount you still owe on your contract after your creditor sells the vehicle and applies the amount received to your unpaid obligation. For example, if you owe $2,500 on the car and your creditor sells the car for $1,500, the deficiency is $1,000 plus any other fees you owe under the contract, such as those related to the repossession and early termination of your lease or early payoff of your financing..
In most states, a creditor who has followed the proper procedures for repossession and sale is allowed to sue you for a deficiency judgment to collect the remaining amount owed on your credit or lease contract..
Depending on your state's law and other factors, if you are sued for a deficiency judgment, you should be notified of the date of the court hearing. This may be your only opportunity to present any legal defense..
If your creditor breached the peace when seizing the vehicle or failed to sell the car in a commercially reasonable manner, you may have a legal defense against a deficiency judgment. An attorney will be able to tell you whether you have grounds to contest a deficiency judgment..
Remember this repossession will stay on your credit for 7 years. ( Full Answer )
What is the percentage of cars that get repossessed in New York after purchase?
0.36 percent of cars purchased by owners acquiring loans arerepossessed in a quarter in the New York. Repossession occurs as aresult of failure of stressed borrowers to come to an agreementwith their debtors.
What is the catch in buying repossessed cars?
The biggest turn-off when buying Repossessed Car: As you already know, Repossessed Car Auction is a great way to buy your new car or other types of vehicle (boat repo auction, RV repo auction, ...); however, it seems almost too good to be true, because the price is very low. The catch lies in the… fact that Repossessed Cars were taken from their previous owners by the government, so they are basically used cars. Therefore, you must take all the steps necessary to find out about the history or the damages of the repossessed car yourself. Why you should still go for Repossessed Car: The easiest answer is: because it is very cheap. Normally, you can find one at as low as $200. Furthermore, even though repossessed cars have been used, they were taken away because their owners couldn't pay the bills, not because they were damaged or got into accidents. Thus, most of the times you will find very good repossessed cars that are perfectly normal and usable. Still, remember to check its history and VIN number! Also, remember to visit websites like www.vehicleshq.com to prepare your knowledge before going to a real repossessed car auction. ( Full Answer )
Can a Repossession Company take your car from your driveway in New Jersey?
The short answer is yes , however the only requiremt in the NJ laws is that it be peaceful in nature..
As per the UCC, repossession is allowed and permitted as long as it is peaceful..
Repossession Laws in New Jersey: .
Where do I refer to for Title or License Registration? .
For state Title an…d License Information, refer to:.
Motor Vehicle Commission Special Titles P.O. Box 017 225 East State Street Trenton, NJ 08666-0017.
Telephone: (609) 292-6500.
Request for Title Search - Fee $10.50 - Form #ISM/DO-22A Request for Lien Search - Fee $5.00 - Form ISM/DO-22 Security Interests: .
Shown on title held by lien holder..
Recording Requirements: .
Per the Uniform Commercial Code (UCC) adopted in July, 1963: With County Clerk of county where property is located, within 5 days. Refer to Department of Banking for confirmation and filing of chattel mortgages. Recovery Requirements: .
As per the UCC, repossession is allowed and permitted as long as it is peaceful. Suit for purchase price prohibits recovery and vice-versa. Redemption Requirements: .
Prior to Sale. Resale mandatory where 50% of purchase price has been paid. Resale optional with buyer where less than 50% has been paid. Deficiency Requirements: .
If contract so provides. Special Motor Vehicle Provisions: .
Statement of encumbrance (form CO85B) must be filed with the director of Motor Vehicles with title papers and encumbrances resulting therefrom shown on certificates of ownership for chattel mortgages. Documents Required to Transfer Ownership of Motor Vehicle: .
Manufacturers statement of origin for new cars. Ownership of used car is passed through assignment by the seller to the buyer on the certificate of ownership..
Documents Required for Liquidation: .
Application (CO-56), Writ of Execution stamped "True Copy" signed by the Clerk of Court, copy of posted notice of sale and original title..
Plates: .
Remain with the owner / debtor, "as long as you have not changed the ownership. The same name must be used for both registrations and the registration code needs to remain the same. If you sell a vehicle and do not transfer its plates to another vehicle, you have to turn in the old plates to MVC." ( Full Answer )
Can you get a loan from New York Life Insurance Company?
You can get a loan only from a whole life (CWL), Universal Life (VUL, etc) only if there is a cash value available. If you contact your agent you can ask what your available cash value is and then ask for a loan to the cash value. DO NOT surrender the policy because then you will be hit with a tax b…ill. Taking the money out in the form of a loan will avoid this and you are not obligated to pay back the loan. If you do not pay the loan back then the loan amount is taking out of the death benefit when you die. ( Full Answer )
If you have a repossession on your car how can you get a car loan?
You can get a car loan, but will have to put down a very hefty down payment - sometimes as much as 50% of the value of the car. Small finance companies are more likely to help you out with that, but will charge you the maximum allowable finance charge (usually 29%).
How long does a loan company have to repossess your car in Maryland?
Legally, your car could be reposessed after one missed payment. The terms of your contract cover default. Most will not repo your car after just one missed payment, but they could. I would certainly suggest attempting to work something out with the bank.
Can repossession companies find out where your car is registered?
Of course. They have the VIN and are the legal owners until you pay it off.
How soon can a repossessed car be sold by lien holder in New York?
A "Repossessed" car is one, I would consider, to belong to the legal "LIEN HOLDER" typically a financial institution. Legally speaking they are the rightful OWNER of the vehicle until the day it is paid off, or LIEN is SATISFIED- so after successful repossession occurs, I can imagine the goal is to …sell the vehicle ASAP to recoup financial interest. However, a title must be requested from the NYS DMV which is currently 4-6 weeks from delivery. Vehicle could not be sold without a proper transfer of "ownership". Garageman's or Mechanic's Liens takes a minimum of 30 days to notify the owner via certified with a return receipt and 2 publication ads to be run. Proof of contract (contesting the contract has been broken) must be provided and all proof of actions be supported. Entire process takes 6-8 weeks MINIMUM. Sheriff or Marshal's may sell cars 30days after car has been Towed/ Impounded, they produce their own ownership documents (Marshal's Papers). ( Full Answer )
Can you get your car back after it has been repossessed from the title loan company after I file bankruptcy?
Only if the car has not been sold, at auction usually. Some states require notice of the repossession and intended sale date. Consult a local bankruptcy attorney if you have filed pro se or pro per (without a lawyer), or your state Attorney General's office.
Where would one find cheap car insurance in New York?
Finding cheap car insurance is much the same in New York as anywhere else. One should check different providers rather than just renew with the same company, ensure they are only paying for the cover they need, try to find off street parking and generally avoid accidents.
Where can one find good loan consolidation companies in New York?
One can find good loan consolidation companies in New York from: New York BBB - Better Business Bureau, Debt Consolidation Care, Credit Info Centre, Student Aid, US News, to name a few.