What do you do with a vehicle if the dealer refuses to repossess it?
Dont understand what you mean by dealer wont repossess it.
Usually when you default they want to come and get it so they can
recoup monies lost due to non payment and continue to go after you
for the unpaid balance. Now if you are trying to return it to the
dealer , they should take it back but you still owe some monies for
the length of time you had it and again for defaulting on the deal.
You should keep records and dates of when and how you tried to
return it, you probably can use some legal advice because the
longer you keep it and not pay the worse your credit is going to
get. The credit agencies do not know that you are trying to return
it, only that your not paying on it. Look in the local phone book
and call some lawyers to see if they can answer a question for you.
The secretaries usually can tell you what type of lawyer you need.
Some give consultations for free or a seriously reduced rate. You
can also call your county court house and ask to speak to the
public defender and see if they can guide you. There is also
1800lawyersand that's a phone line that can help you. Just keep
good records of your attempts so in the future youll know how much
you are responsible for.
Clarification on some points:
(1) A lender has no legal obligation to recover any vehicle that
may result in a loss, this also pertains to a voluntary
repossession, the lender does not have to accept the vehicle.
(2) Many lenders will not recover the vehicle but will instead
sue the borrower (co-borrower or co-signer) for the full amount
owed and all applicable penalties and legal fees.
(3) Credit bureaus deal with creditors only, they do not accept
information from the consumer with the exception of a 100 word
dispute letter which is placed in the consumer's credit file.
(4) Public defenders are only available to persons who are
charged under criminal statutes and qualify under the income
guidelines of the state and all public defenders are appointed by
the presiding judge, they are not chosen by the person who has been
charged. That being the case, the clerk of the court cannot assist
in finding an attorney for an individual but in some cases will
refer the person to the local legal aid society or other non profit
A free US nationwide attorney referral service is offered on the
website of the American Bar Association, http://www.abanet.org