if behind on payments how long before repossesion procedure can begin In Washington state there are no laws governing repo companies - they have to only take the vehicle they are after in a peacful manner - meaning even if you are going bezerk on them - they can only defend them and not assult you - also meaning they can't start the fight - they can block you in hook up your car and ask you to give the keys and exit the vehicle - they can charge you what ever fees they want and also they have to report the repo to the local law enforcement -
Pay for the car and get it back, or pay the deficiency after it has been sold.
Probably not. You'd have to ask an attorney.
Yes it can.
Yes.
a lender can do as he/she pleases with the vehicle after 31 days...in the state of Alabama
READ your CONTRACT. IF the contract is in DEFAULT, the collateral CAN be repossessed.
Sure.
What state are you in??? Laws VARY by state.
You have the right to reclaim personal property during the normal business hours of the establishment where the vehicle is impounded. The company storing the vehicle must take inventory of and proper protection of such property under the "in bailment" laws of the state where the vehicle was seized.
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.
Contact a local attorney for state/case specific advice. Please have all your paperwork and any proof of the "damages" when you do.
It depends on the state in which you reside. Most of the time, if the personal property is permanently affixed to the vechile (stereos, tires, etc), you have no rightful claim to them. Items that are loose in the vehicle such as cell phones, books, CDs, etc, have to be returned to you at no cost.
call the bank, they are the only ones that can release the vehicle to you, good luck :)