Repossession

Try zabasearch.com. This is a link that noone knows where the server is, and FBI would like to get their hands on, because there are information about people there you would not imagine someone actually gathered. After you get your info you may want to send them mail to remove your information from there, because the link is infamous for ID frauds and stuff. I speak from personal experience.

Technically, the at fault party is responsible for the resale value of the vehicle. If the owner has put after-market equipment on the vehicle that does not imcrease the value, no, the at fault party is not responsible, at least not in most states.

yes , you need to build your credit. the charge offs will stay on your credit score for 10 years or more and you will never get a loan. or improve your credit, pay them off. continue paying your bills on time,save money.go to your bank and get a secured credit card,best way to build your credit back up.

You have very little recourse. As a co-signer, you are just as legally obligated to the debt whether you knew it existed or not. As a co-signer, it is incumbent on you to be aware of the status of the loan.

1. 2002 U.S. quarters don't have an eagle on the back. They're part of the state quarter series and have one of 5 different state-related images.

2. Please look at your pocket change. ALL U.S. coins in current use have the front and back oriented 180º to each other so that the sides point oppositely when a coin is flipped side to side like the page of a book.

3. Philadelphia did not use the P mint mark on quarters until 1980. Your coin is one of nearly half a billion coins minted in Philadelphia that year, so it has no extra value.

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Depending on the lender--it could show up the day they pick up the car or 30 days from picking up the car. It is not an exact science--most lenders send an update once a month--and it doesn't mean that everyone sends it at the beginning or end of month--it can be any date. Some lenders may update twice a month--the second usually being done manually if needed. If you are looking to finance--take the first step- put in an application at dealership where you might have a friend working so the blow may not be so embarrassing. Do it quickly as once it is on your credit, most lenders will require a co-signer IF they do any financing at all.

Probably not. The risk was yours since towing was the logical next step for failing to meet the requirements of the loan. It was your failure to meet the requirements of the loan which led to the vehicle being repossessed which subsequently caused the vehicle to be towed. All the towing company needs to do is to prove that they used standard towing practices.

Yes, the car can be repossessed from any open location, your driveway, an open garage,and any kind of parking lot, etc. Sorry.

No it is not illegal for the repo agents to call the police because if it's a reposession, the lender has a financial interest in the car, and since the pink slip holder of the vehicle (the lender) OWNS the car, the lender has every right to the car since it wasn't paid for. However I'm not completely sure what authority police can exercise. I think the next step a lender can take on an unpaid car is to sue/send to collections, or garnish wages.

Get yourself a business license and some clients.

if you need the car and the money situation is temporary many companies offer payment deferment which could buy you an extra 30 days. otherwise see if the co-signer wants to take over, at least give them the option since both of your names are tied to the vehicle and a repo. will affect you both. Call the bank or finance company that is holding the note. Trust me, they want to work with you. Get the 30 day paymant deferred to the back of the note and make an arrangement. How long have you been paying the note? Based upon the number of payments left, your credit, etc. You may be able to refinance the note with another bank. I know that Capital One formerly had a program for this. Do not just sit on your hands. If you have a co-signer, the company will go after that person, as they are legally allowed to do. If you haven't yet notified your co-signer of your financial struggle, you'd better do it soon.

You can certainly can find someone with an adequate radio receiver that will detect a radio bug. But if it's a tape recorder, you'll just have to find it.

In the State of Texas, the answer would be "YES" as both parties signed for the car loan and both are responsible for the balance due. I was the primary signor but the cosigner had the car and was making the payments. Then she stopped making payments after owning the car for 3 years and the car was repossessed.

that is protecting or hiding your assets

Yes.

Secured debts are not dischargeable in bankruptcy. As a co-borrower or co-signer you are equally responsible for the debt even though you do not reside in a CP state.

Well, in California, if the damage is more than $500 it needs a police report attached. There is nothing they can do. Go to where the car is and take pics of it. Fight it all the way.

You can, but it most definitely would not be advisable. The vehicle would have to be listed in the bankruptcy schedule as a secured debt which means it is NOT dischargeable in a BK.

Yes, if the trustee approves the transaction, (and of course, can find a lender).

Necessary financial matters are generally approved by the court, for example if the petitioner needs the vehicle for transportation to their place of employment.

have the department of motor vehicles do a lien search. if it comes up negative its clear. the search will also tell who the last registered owner was and you can find out from them if it has bin abandoned. if its on your property you may lay claim to it under the landlord and tenents act.

Sue the individual in the appropriate court and if you prevail you will receive a judgment writ. You then file the writ with the court clerk as a wage garnishment and have the garnishment order served on the employer of the debtor.

I don't know about anyone going to jail for failing to pay on credit. Basically what happens is unpaid debt usually gets sent to collections but the credit card companies can file suits against you to garnish your wages so they can collect. Basically as far as that's concerned your credit will pretty much be screwed for a long, long, time. IF this is the case for you I would advise consulting credit counseling firms and see what they can do for you.

You start by....Call and ask your agent

http://www.edmunds.com/insideline/do/Features/articleId=66170 Edmunds.com says it CAN NOT be an RS: "So that brake light blister was gone entirely from the 1988 Camaro, but so was the Z28. Since Chevy had firmly established the IROC name, all high-performance '88 Camaros became IROCs. Base '88 Camaros, meanwhile, inherited the elegant 15-inch five-spoke wheels from the Z28, as well as the Z28's lower body skirting. Also, the Z28's 5.0-liter V8 was now optional on the sport coupe; it gained a throttle body fuel-injection system to make 170 horsepower. The rarest and most intriguing '88 Camaro was the 1LE road racing package optional on the IROCs with both the 5.0- and 5.7-liter TPI engines. Featuring oversize disc brakes, an aluminum driveshaft and a well-tweaked suspension, the 1LE was built to win showroom stock road races." The Camaro base model would not have come from the factory with lower body skirting. It would not have come from the factory with driving lights and wiring for driving lights. It would not come with "Z28" badges. All these items could be added, but it would be more expensive than buying a Z28. So if you have them all, and most importantly, the driving lights wiring looks stock...odds are it's a Z28.

It depends on your state's laws. Here is a great site - www.fair-debt-collection.com. They list all the laws in each state. I can tell you that in Florida, since it has happened to me, they can come after the co-signer. Typically though it has to be because the original signer has protected themselves from debt collection, either by certain legal claims (ex.. Head of Household) or they have filed Bankruptcy and you are the only one left for the creditor to attack. My original signers filed Bankruptcy and then I was the one they came after. I was lucky because they did garnish my wages a few times, but I filed for Head of Household and they could no longer take my wages. And since I did file the courts were holding the money that my company was taking from my check and I received a check from my company for the whole amount once the HOH was officially declared. Which helped because I then was able to negotiate a settlement for about 12% of the original debt since they knew there was no other way to get it out of me. To file for Head of Household is different then Head of Household for your federal taxes. On your taxes I think your spouse can only make a small amount of money, whereas for my situation I just had to make more than my spouse, regardless of how much she makes. Meaning should could make $50,000 a year but I would be HOH if I made more. Sorry for rambling on. Hope this helps.