Repossession

Depends on the Lender, some do, most dont. It would be god on your part to take pics of the car when you turn it in. CYA deal.

IF the lender reports it to the CRA, it will. FWIW, title pawn lenders USUALLY dont report it. Too much work and paperwwork for them. LOL

As much as they would like to, NO. It wasnt in their possession to be stolen from. YOU can report it stolen. The Lender has OTHER legal options to get the car, so dont think you will slide forever. LOL

NO. Only the registered owner can report the car stolen, or whomever had the vehicle in their posession. If the lender tells you this, they are only bluffing you, using scare tactics. They will say anything to you in the hopes that you do not know the law, or your rights. Most people don't. You can always call an attorney or the police to pose a question about what is legal.

YES..In the state of Arizona pursuant to ARS 13-18-13 after 90 days of non payment a lien holder can report a car stolen and is a class 6 felony.

You make the offer, IF they accept it, they will give you the title, ect. Fairly simple business deal.

Look at it this way, they "made arrangemnets" when you bought the car. You couldnt/didnt pay then while you HAD the car. So why will you pay on your own when you DONT have the car. Likely they will garnishee.

They can repo anytime you are in DEFAULT of the contract.

2010-09-21: Also, in addition to the answer: While the bank can reposses when the repo clause comes into play, I don't know of any instance that once a bank agreed upon partial payments, they reneged and repo'd the vehicle anyway. Remember: they'd rather have the money than the car. If it comes to haveing it repo'd through a repo company, the bank would still rather have their money than share it with a repo company. The person at the bank that you speak to is being watched by the bank manager, etc., blah blah, and he or she would rather keep good information on the books. He or she, as far as my experience, will help you in your situation.

As long as you are in DEFAULT of the contract, the lender can repo the collateral.

IF your name is on the TITLE as buyer or cobuyer, you have the right to POSSESSION. Do you know where the car is? Do you have a key?

Unless you are a good negotiator, CALL an attorney NOW. Longer you wait, more time for FACTS to get confused or forgotten and/or DOCUMENTED. Take pics of the damage,ect.

As far as I know, only 2 states require the lender/repo company to notify the debtor. The easiest way to find out the info is CALL THE LENDER.

Whomever signed the contract is responsible for the balance.

IF you mean not paying the shop bill, YES. IF they followed proper procedures(paperwork,leins,ect). This varies by state. Its usually called a mechanics lein, Workmans Lein,ect. Call a local attorney for state specific advice.

No. If they do, that would be considered theft and that is obviously against the law.

Read your CONTRACT first. If it doesnt cover redeeming your collateral, copy and paste this.

http://leg1.state.va.us/cgi-bin/legp504.exe?000+cod+8.9A-610

• • • but were behind one payment from the year before?":**** you answered your own question, didnt you? Pay them $5.00 per month on the way behind payment and maybe they will be quiet. LOL

http://www.nlsa.us/public/consumer/cn1_collection_procedures.htm

looks like you have problems

READ your contract. Likely the answer is YES.

We 1st question that comes to mind? WHY would you do that? Why get involved in something that's NOT your problem? Are you benefiting from this in some way? IF you wont give the car to the repoman, TAKE it back to the DEBTOR and tell them to handle their problems themselves. ANSWER; in some states YES. CA in particular frowns on it.

MY ANSWER; In Arizona we drove our vehicle everywhere, we just had to hide it from the ford repo. guys. Its beenover five years and ford no longer wants the vehicle. The X still has to pay for it..I have it in Washington state now and have had a protection order through the courts to prevent the X from taking it. In Arizona and Wash. I have been pulled over by police and never had a problem, just a few tickets.

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A civil action can be taken against you in a court. In Georgia, O.C.G.A. 16-9-51 "Hiding, encumbering or endangering property subject to security interest........" is a Misdemeanor charge that I have employed multiple times to "squeeze" the necessary whereabouts of a specific vehicle, piano, diamond ring from a debtor. If the warrant does not "squeeze" the way I want, then there is an outstanding warrant for your arrest on the books. The next time the person is pulled over.....In the slammer and only a judge can let them out! So consult the Law books in your state abnd find out if this type of action applies. If it does not then the only thing you have to worry about is the debt on your credit.

Y-THINK-Y

IF they did not break into the garage(ie; someone let them in)

They take out the personal belongings. This includes the tags. Check with the repo company or lender for that stuff back.

By phone at the last number you had for them?? Look them up in the book or on the computer? then call them???

check this site

Trick question, huh? What is your idea of 'secured' gate? Why would they want to make "contact"? The lender has been trying to "make contact" for how long? No responce to "make contact". Repomen get paid to pull iron, NOT make contact. No candy for you. Sorri

YES, they can/did. You had paid NO money on the car so it WASNT yours. Do you think it makes you look like a GOOD credit risk when you stop payment on the DP??

Each one starts from date of report to CB. Its NOT the repo report that will hurt. The JUDGEMENT will stay there longer and has more teeth.