IF YOU DONT HAVE IT .
if it was repossessed you would have been called most likely ..
if it was stolen then you dont know where it is and you werent called !
If you're uncertain, contact your county Sheriff's department. Repossessors are typically required to notify law enforcement when they are repossessing a vehicle. This ensures that officers responding to any situation which should arise from the repossession knowing already what's going on, and also ensures that law enforcement doesn't have to start a tedious investigation when a car is reported stolen when it was actually repossessed.
There are certain strict procedures that an automobile repossessor must follow when he is repossessing your car. The repossessor must notify the police that such vehicle is being repossessed, you did before or after the repossession has occurred. In either case, the police should know right away that the vehicle was repossessed. If this is not the case, then the vehicles like to have been stolen.
Report it stolen.
If the repossession occurred in a state that does not permit self-help repossession, report the car stolen; it cannot be legally repossessed. Louisiana and Wisconsin are two of these states. If you can show legal possession of the vehicle, and on time payment, report the car stolen. It cannot be legally repossessed in any state unless the debt is delinquent. If you do not wish to involve LEO's immediately, contact the private party who "repossessed" the vehicle and explain that if it is not returned within a reasonable amount of time, that you will report the vehicle stolen and give his name as the party responsible. There is no legal "personal reason" for repossessing a vehicle.
Call the police department of the city/town from which the vehicle was towed. Repo companies MUST report the license tag number of repossessed vehicles so that if the owner calls to report them stolen the police will not enter them into the stolen vehicle database.
Once they have the vehicle, they can do what they want with it. Making it immobile so that it can't be stolen seems prudent.
If you know the registration number of this vehicle, you can check easily by performing a online police stolen car check by paying a little money.
A disabled person's vehicle can be repossessed just as any other person's vehicle can be repossessed. You must make all payments on your vehicle if you want to keep it.
The repo will effect your credit. The judgment the lender will get will effect your obligation to pay the deficiency balance. the letter wont effect anything UNLESS the car WAS stolen.
is this vehicle stolen?
It depends on you locatily, but in general, yes, if you are behind on your payment, your vehicle can be repossessed.
This may be a little obvious, but it is not in your vehicle and you did not take it out!
In most states a repossessor must notify the police when they repossess a car. Contact the police to file the report and they will know if it was properly repossessed.