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The Correct :
Most Finance Companies make this very difficult.
1)Take the vehicle to the manufacturers nearest dealer for a service appointment. Leave the car there. Remember the Service Reps First and last name.
2)Contact the finance company and let them know what dealership the vehicle is at.
3)Notify the finance company that you would like to have your vehicle voluntarily repossessed and to pick it up directly from the dealer. Reference the Service Reps Name and write down the the customer service reps full name.
4)You can ignore any further attempts to contact you by the finance company or dealership.
5)Most finance companies(in California) will not seek deficiency judgement your credit however will be ruined for 3 years.
The finance company has no reason to work with you if you can no longer afford to pay.
You simply call the finance company and tell them that you are unable to pay for the car due to unforeseen circumstances and make arrangement for them to either pick the car up or ask where you should take the vehicle. I had voluntarily surrendered a car years ago and the Manufacturer made arrangements to pick up the car at my home.
There were fees involved and they actually prorate your loan and you will be charged for a certain amount of the cars value. Even if the car is only 3 months old, it is now considered a used car and the finance company cannot sell it as if it were new....it will have depreciated in value as much as 30%
The majority of car dealerships across the United States do not have a three day return policy or cooling off period on new or used car purchases. "Buyer's Remorse" will not be enough to get you out of a vehicle purchase or return a car to the dealer.
Is an emotional response from a car buyer during or after buying a new or used car. Buyer's remorse can be feelings of depression, anxiety, fear or regret.
Car buying tip: Car salesman are very aware of buyer's remorse and know that it can be a deal killer. Do not let a car salesman or dealer manipulate or persuade you into signing a binding contract or any other paperwork until you're ready to buy the car.
Some car dealerships do have "3 day return policies." however these car dealerships will only honor their return policy if you have something clearly stated in writing.
bruh this wiki is horrible. you have vin on the door panel of the car. when you open the door on the side of the door there is a sticker on which you can find a vin, you have one as well on the windshield of the car on the drivers side in the bottom corner. if i am not mistaken one is under the hood and one under the body of the car as well. but you can never be sure if the car is stolen or salvage because there are professionals that can easily replace the vin
Any activity that results in the recovery of the wanted vehicle is legal, provided the peace is maintained and there is a perfected lien-holder, and that lien-holder has issued a legal order for repossession.
There are minor specifics for each state, and some for specific metropolitan areas. These make it difficult to give a succinct answer for such a broad question.
The above is correct, but it doesn't solve your problem.
If you bought it at a "buy here, pay here" lot, TALK TO the people - YOU owe the money and you owe them because they handed over THEIR PROPERTY to you BECAUSE you agreed to pay x amount of dollars on some set schedule. What they DON'T want is to be cold-shouldered by YOU, the person who has THEIR property and who is USING their
property without upholding your portion of the agreement.
REGARDLESS OF WHO YOU OWE TALK TO THEM, DON'T DODGE THEM.
This will stay on the credit report until September of 2008 for that 7 year period, regardless of when the loan winds up getting paid off.
It can stay on the report a bit longer if it goes to court and the bank gets a judgment against the borrower. Say this happens in 2004, then that stays on the credit report another 7 years until 2011.
Bankruptcies stay on 10 years while delinquencies and defaults stay on for 7 years.
Of course. It is called kidnapping. He should go to jail for that and the company needs to give you lots of money for your emotional distress and your kids of course. You probably won't work for a long long time and same for your kids. So yes you can.
There are two possible things you can do:
1. Sand the area, then lightly spray your color over it. With newer cars with clear coat, you'd have to also spray a layer of clear coat over the touch up job to make it match.
2. If the nick is small enough, you can take a fine tip brush and brush your touch up paint over the nick.
you won't believe this.......but my wife bought a scratch & sm dent cover up kit "As seen on TV" LOL It comes with primary colors and you mix accordingly. just use a plastic putty knife & spread the cream into sm dents (quater size or smaller) or scratches and allow it to dry. dont worry about excess, the "Magic" solution afterwards buffs it up nicely & some how blends your color matching in with the existing color. UNBELIEVABLE!!! BUT TRUE.....you can find it on AsonTV.com you'll love it, no skills required.
To repair a scratch in the paint of a car is not a easily answered question. It depends on the severity of the scratch. If the scratch is small you can use some of the commerical scratch repair kits or the temp fill in wax. For more severe scratches try sanding the area with 400 grit sand paper and the area around it (about 1-2 inches). Finally @ any Wal-Mart they should have color paint repair kits that will match your paint as long as it's a common color. They have detailed directions on their product. It is best to consult them first. If you dont feel secure sanding your car, I would consult your local auto body repair person and get estimates!!!!!!! Automotive repair ppl are shady so watch yourself!!!
a scratch can easily be sanded out lightly with water using 400 sand paper.then you can buff it out and it will not be noticable
A scratch that's not too deep can be removed with automotive paint thinner and a cloth and some gentle rubbing. NOTE: the area you rub will become much shinier than the rest of the paint. WARNING: automotive paint thinner is toluol, highly toxic to breathe. Use good ventilation.
A slight scratch can be repaired by hand rubbing with a soft cloth and rubbing compound, followed by a fine scratch remover used to take out the rubbing compound abrasions. Rubbing compound is very gritty, and will actually dull the surface when rubbed by hand, but these fine abrasions can easily be removed with a finishing polish.
More severe scratches may need some wet sanding. DO NOT USE 400 grit sand paper!!!! No amatuer at this should sand on their car with anything more coarse than 1200 grit (preferably 2000 grit ultra fine). If you use 2000 grit, you may be able to skip the rubbing compound, and go straight to the finishing polish.
400 grit sandpaper is only for use prior to painting. I have many years of experience in this area, and I stand by what I say.
Be careful using any thinner or solvent on your car's finish. If it is original, it may be ok, provided it isn't lacquer. Lacquer readily reverses to liquid when it comes in contact with solvent. If you have a late model basecoat/clearcoat car, thinner probably won't help repair a scratch, because the finish will not reflow (like lacquer), and therefore it won't have any effect.
A creditor must sue in civil court, obtain a judgment and then request a judgment lien that can be recorded in the land records. A judgment can be rendered for different types of debts such as default on a promissory note, credit card debt, personal injury award, wrongful death, etc. Once a judgment lien is recorded in the land records the property cannot be sold or mortgaged until the lien is paid off. Interest begins to accrue as soon as the favorable judgment is issued.
Mechanic's liens are in a different category than other types of liens. They are intended to protect contractors. A mechanic's lien can be recorded by anyone who supplied labor or materials to make improvements to a property, including plans and designs. These are exclusively a product of state legislation and vary from state to state. Most require that the lien be the result of work performed by a licensed contractor or a licensed business which normally supplies building materials to construction sites and that the amount of the lien not exceed the normal and routine value of the work performed or materials provided.
However, to have an enforceable lien, it usually must be "perfected" in compliance with with the statutory requirements for maintaining and enforcing the lien. These requirements, which contain time limits, can include the following:
For any substantial amount owed you should contact an attorney who can review your situation and explain your options in your state.
You should not file a lien or begin any legal action against a person without first contacting an attorney. If you make an error in preparing and/or filing the lien documents, the lien may be voided and you may be held liable for the other party's attorney fees. Incorrectly prepared lawsuits can have the same result. If you do not have a lot of money for an attorney, look in your phone book for the attorneys (usually "sole practitioners" who do not have an ad) who offer free consultations. You cannot afford not to talk to an attorney.
It varies from state to state, but in your case about 10 to 14 days. Its time of process is counted on importance.
Your car can be seized by the repo company as soon as you are notified that you are in default of your loan.
If your car is worth say $5,000 - and you OWE $10,000 on it - after they repossess it - they will sell it (usually at auction) and if they get $3,000 - they will sue you for the balance of $7,000 - and they WILL garnish wages (50% of your paycheck after taxes) until the car is paid for! If the car is not running - again they can have it repaired and sue you for the repair bill! And DO NOT THINK that the repo guys and auction houses do not work together - of course they do! If you have a $35,000 car and the repo guy wants your car - (after they repo it) - they CAN auction it for $1500 to the repo guy - and YOU pay the $33,500 balance - and Mr. Repo is driving a $35,000 car for $1500!
By law, the company that finances the loancannot be the company that handles the repossession. But they are often companies that work together.
Also ANY improvements ALWAYS stay with the car. If you have a $2,000 stereo system - it stays with the car. Any personal belongings of yours inside the car must be returned to you by the repo company within 3 days. But without proff this is hard to enforce.
The repo company will usually take your car at night - and most are very good - they can hook it to a tow truck and be gone - usually in under 30 seconds!! They will go around the corner - then secure the car to the tow truck!! And if the car falls off the tow truck - YOU pay the damages!
A repo is on your credit history for 7 years - although it is common for them to disappear after 5 years!
Most states are 90 days late before repo-ing a car - but under the Bailout, GM's federal agreement overruled your state laws.
Call DCA's Consumer Information Center toll-free at 1-800-952-5210. In the Sacramento area call (916) 445-1254. ag.ca.gov they can tell you what the requirements are for towing impounds. If you want to know what happened to the car, just call the police department that had it picked up and I'm pretty sure they'll let you know, but only if you're the legal owner.
Any time you borrow money to buy a car, you should know that:
The bottom line is if you want to know your rights, they are listed on your security agreement. This document you had to sign when you got a car loan. This is the document that the lien holder gives to the DMV to place a lien on your car. It will go over what the lien holders rights are in the event of default, and what your rights are. So find the documents you signed when you got the loan, or ask the lien holder for a copy and read it, it is the most important document you sign when you get a car loan.
If you know you're going to be late with a payment, talk to the lender to try to work things out. If the lender agrees to a delay or to modify the contract, be sure you get the agreement in writing.
Some states have laws that give consumers additional rights. Contact your state or local consumer protection office for more information.
Points made by other contributors
I lost a large repo account for accidentally calling a debtor's father at 200am one time. Law says you can approach at any reasonable time usually aften 1000pm I quit. UNLESS, there are lights on, folks moving around, they are out in yard etc. Knocking the door after being told "debtor doesn't live here" is not cool. telling anyone but the debtor about their personal info is not cool. Okay, now where did he get your car from? Surely NOT your parents home? Or did they tell him where you were?
Unfortunately, People get behind and cars get repo'ed. I myself repo vehicles. I know you probably all hate me for that but I have also had a vehicle repo'ed in the past. We all have times in life when things just suck but If I may give you'll some advice. 1) Don't ever perchase a vehicle for a family member, they really don't care about your credit, they didn't care about their own or they would have probably got the loan themselves. 2)If a repo person calls you to find out where you are, they will probably have your vehicle with 24 hours. So, if they say call your lender to try and stop it, I would call. There's always hope to call if off. The banks loose money when a car is repo'ed. 3)Even if you think you have tried everything, call a local bank or your bank and try to get it refianced with someone eles. There's always someone out there willing to lend money. Gook luck to all of you, hope I don't have to repo your car.
I just read the following answer by anonymous to the question concerning your rights in a repossession:
"I am a repo man, and ironicly this happend on a case last week. The debtor (you in this case) filed for bankruptcy at 8:00am. I repoed his car at 7:30pm that night. After a few days on the phone with his laywer, and bank, the car was returned at the descretion of the bank. So, if you file before your car is repo'd, you can keep the car for that period of time. Your report will show what the bank wants to say, call them about it. Once your car is repo'd that's it, bankruptcy cannot help."
Anonymous is mistaken -
Even after a car has been repossessed, if the person whose car was repossessed then files bankruptcy after the car has been repossessed, and if they file for bankruptcy after the car was repossessed but BEFORE the car is then resold to another person, it is possible to compel the creditor to return the car to the debtor.
The reason for this is that the debtor can file a motion asking the car to be returned to the debtor because by repossessing the car right before the bankruptcy, the repossessing creditor is placing itself in a better position than other creditors (it is called a "preference"), and the court on that basis can order the car to be returned.
Breach of the Peace: Taking the vehicle from driveways, open carports, and parking lots at work is generally allowed. But the repossession company may not:
True to all of the above and including:
Regarding Ohio not having a breach of the peace law, your repo man is mistaken.
Please see below-these are Ohio Laws verbatim-
Section B-2 - Would indicate that there is codified in Ohio a breach of the peace statute.
1309.609. (UCC 9-609) Secured party's right to take possession after default. (A) After default, a secured party: (1) May take possession of the collateral; and (2) Without removal, may render equipment unusable and dispose of collateral on a debtor's premises under section 1309.610 of the Revised Code.
(B) A secured party may act under division (A) of this section: (1) Pursuant to judicial process; or (2) Without judicial process if it acts without breach of the peace.
Also whoever said that the repo man -) Cannot block or disable the vehicle.( Is not fully informed re Ohio law pursuant to 1309.609 (A)(2) which states that the repo man can bust up your stuff. (render equipment unusable in legal terms).
I am the sales manager & collections dept. of a small dealership in Seattle. We finance many of the cars we sell ouself (inhouse). I have done many repo's myself when they are easy(like when the car is near the dealership and we have extra keys and can just drive the car away). The people who live farther away or when the car is blocked in we use a repo company. In Washington we legally can repo a car at 1 second past midnight if a payment was due that day. We can open a gate to remove a car as long as the gate isn't locked. We cant move another car to get to the repo car. We cant open a garage and take the car, that would be breaking and entering. If the people protest we cant take the car(that's why its often done at night,so you don't see the people.
People may remove all personal belongings from a car after its been repoed, as long as they don't devalue the car. They cant take back fancy wheels they might have put on, remove the stereo or speakers, seats, etc. If they have a speaker box and amp, they may remove that.
Most repoed cars are sent to wholesale auction(dealer only) where they sell for about 30-40% of what you paid for it 1-2 years ago. If the car is resold for more than you owe(in Washington anyway), they must pay you back the difference. If you owe alot the car will be cleaned up before it goes to auction so they can get back more of what is owed, but if you do not owe very much they leave the car dirty and full of grabage to insure a low selling price so they do not have to refund you any money.
Many times these laws are taken loosely or bent to get the car back, I would guess, always having followed the law to the letter ourself. You must remember there are some people who have had 5 or more cars repossessed and know the laws and try to use it to keep their car. They do not intend to pay for a car when they buy it, they then try to hide the car, trade cars with a friend, block it in their driveway, etc. Usually we can spot these people before we let them buy a car, their only concern is the down payment, they don't care at all about the monthly payments or interest.
Many small dealerships do reposes their cars once a payment is only several days late. We generally don't sent a car in for repossession until they have not paid in 2 months and they will not return our calls or letters. If they have called to let us know they were having problems or sent in at least part of a payment we may wait a while longer but once a 3rd payment is missed the car is sent in to be picked up for sure. It is expensive, we usually spend over $300 to get a car picked up from a repo company. We would much rather keep the car sold to the person who bought it, but there comes a time when we realize we may not ever get any more money from the person and we either send them to collections, repo the car, or write it off as a loss. Typically a repoed car is very dirty, broken headlight, taillight or other damage not there we we sold it, not taken care of, full of garbage and has hardly enough gas to make it to a gas station.
Here is a variety of advice:
Yes, your car will be sold and if the price they sell it for is less than the balance left on the loan, plus the repossession fees, you will be responsible for that difference and will have to pay it.
Examples of computation methods include the following:
The most common credit card balance calculation method credits your account from the day payment is received by the issuer. To figure the balance due, the issuer totals the beginning balance for each day in the billing period and subtracts any credits made to your account that day. While new purchases may or may not be added, depending on your plan, cash advances typically are included. The resulting daily balances are added for the billing cycle. The total is then divided by the number of days in the billing period to get the "average daily balance."
Usually the most advantageous method for card holders, the balance is determined by subtracting payments or credits received during the current billing period from the amount left at the end of the previous billing period. Purchases made during the billing period aren't included.
Using this method, the cardholder has until the end of the billing cycle to pay a portion of your balance to avoid the interest charges on that amount. Some creditors exclude prior, unpaid finance charges from the previous balance.
The previous balance is the amount you owed at the end of the previous billing period. Payments, credits and new purchases during the current billing period are not included. Some creditors also exclude unpaid finance charges.
Issuers sometimes use various methods to calculate your credit card balance that make use of your last two month's account activity. Read your agreement carefully to find out if your issuer uses this approach and, if so, what specific two-cycle method is used.
If you don't understand how your finance charge is calculated, ask your card issuer. An explanation must also appear on your billing statements.
Title insurance rates vary from state to state and market to market. In some states, the fees are set by the AGENT, and are market competitive -- they may be negotiated by the Agent. In other states, the rates and fees are regulated by that state's Department of Insurance and the fees may not be negotiated - higher or lower than the regulated fees. In both cases, the premium fees are calculated on a per $1000 rate. That rate is then based on whether the transaction is a "basic" rate, "re-issue" rate, "refinance" rate or "new construction" rate. Basic rate covers a policy issued on a Purchase transaction and usually calculated on the Purchase Price and the Mortgage Amount. Re-Issue rate covers a policy issued on a Purchase transaction and whether or not the Sellers can provide backtitle to the Buyers. The back title criteria is typically based on how old the Sellers' Owner's Policy is. (Usually a lower per $1000 rate than basic) Refinance rate covers a policy issued to the current owner on a Mortgage loan. Depending on the state, the previous mortgage amount may have a bearing on how the rate is calculated.(Usually a lower per $1000 rate than basic) New construction rates covers the builder during the construction of the property, before the construction is complete. (Usually a significantly lower rate than basic since the property is not a fully finished home/building during the time of coverage.) New construction rates do NOT cover a buyer purchasing a completed home from the builder, only the time the home is BEING constructed and covering the builder.
You may have a certain right, known as a right to cure, whereby you are given a grace period to resume the original contract (cure the default) with the finance company. In Pennsylvania, for example, your repossessed vehicle may go on auction after 15 days following notification that it will be sold at auction. To resume the original contract (curing the default), you bring all past due balances up to date including, at the finance companies discretion, any fees associated with repossessing the vehicle. Following that, they cannot sell your vehicle and must resume the terms of the contract.
However, states may have different applications of 'right to cure' so you need to do research for your home state. In Delaware, for example, the right to cure only applies when the payments are ballooned (adjustable rate). Google 'Right To Cure', 'Vehicle' and 'Repossession' and [your state] to further research. Another nice google term is [your state] AND 'consumer credit code'.
Aside from that, it's up to the institution that lent you the money. You could bring the account current and pay the repop charge and they could give you back the car, or they could tell you "we have tried working with you, sir, and you have done nothing but lie to us, so you must pay the BIF of your account, and then we will give you the car, but not 'til then!" It's all in how you handle the situation with them. If you rubbed them the wrong way, they may not be so willing to work anything out with you. You should always attempt to be honest and forthcoming with your creditors. It is the only way to work out something that will last and be in your best interest. Nobody likes the bill collectors calling them!
Legally someone born Thursday could get a naval ring, tongue piercing or other body modification. It's something lawmakers are talking about and parents might want to know.
Iowa law says you have to be at least 18 to get a tattoo. But piercings? There is no age requirement.
Here are more answers and opinions from other FAQ Farmers:
The most important part of recouping money for your claim is documentation.
Check out the tax laws. If you are a sole proprietor, you may be able to write off mileage, which would be the simple thing to do. If it were me, I would avoid the crossover of personal assets with business assets.
As of today, July 2009, no air cars are on the market yet. There is however a French company, MDI, that has its prototypes, after 15 years of research and development, ready for final tests at the Air France air line facilities this summer. Their first model, the Airpod, is expected to be massproduced from end of 2009 on, in France and Andorra and in 2010 in Switzerland and probably elsewhere also. Zero Pollution Motors ltd intends to build and sell MDI compressed air cars in the USA from 2010 on. Up to now, more than 50 licenses for local MDI plants have been sold all over the world. Tata Motors of India has bought early 2007 the rights to use the MDI engine for whatever purpose it chooses (in cars, as power generator etc...), but only in India. It intends to market a version of its Tata Nano with a compressed air engine, but has not put forward a date. Meanwhile, Tata Motors continues improving the air engine in cooperation with MDI engineers on a regular basis. You can find all information, models, pictures, videos, links and the latest news on http://www.aircars.tk
No, they cannot.
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